Interest rates are assessed using European Commission guidance as set out on 19/01/2008.
This rate is then increased by a margin to reflect the creditworthiness of the borrower and the level of collateral offered. Please see the table below.
| Creditworthiness | Collateralisation | ||
| High | Normal | Low | |
| Strong | 0.60% | 0.75% | 1.00% |
| Good | 0.75% | 1.00% | 2.20% |
| Satisfactory | 1.00% | 2.20% | 4.00% |
| Weak | 2.20% | 4.00% | 6.50% |
| Potential Financial Difficulties | 4.00% | 6.50% | 10.00% |