Borrower Quality Score puts the right borrowers in front of you.
Through holistic underwriting that evaluates a borrower's past repayment behaviour and future repayment intent, not just a bureau score.The gap we are solving for
We exist to make lending informed and transparent turning idle savings into steady monthly income, while giving creditworthy borrowers the fair access to credit they deserve. An ecosystem where both sides win.
A credit score reflects past repayment, current liabilities and bureau standing. But it stays silent on the things that actually predict repayment.
BQS goes beyond the bureau score. It combines repayment history with income consistency, cashflow analysis, FOIR, employment stability, behavioural indicators, geo-signals, and compliance checks, giving you a complete view of borrower quality, not just credit history.
The assessment journey
We exist to make lending informed and transparent turning idle savings into steady monthly income, while giving creditworthy borrowers the fair access to credit they deserve. An ecosystem where both sides win.
Application with personal & financial details
eKYC, PAN, geo-location, PMLA screening
CIBIL, Experian, Equifax cross-check
Bank statements, income consistency, EMI discipline
FOIR calculation, cashflow buffer check
Employment tenure, industry profile, behaviour
Final score generated from 250+ data points
BQS framework
Every borrower is evaluated across 250+ data points before being listed. Click any pillar to learn more.
Identity and Compliance
Credit history
Income and Cashflow
Repayment Capacity
Stability and Behaviour
10/10
A comparison
A credit score covers 3 of the 10 factors we evaluate. BQS covers all 10.
| FACTOR | CREDIT SCORE | BORROWER QUALITY SCORE |
|---|---|---|
| Past repayment history | ||
| Bureau Score | ||
| Active loan obligations | ||
| Income consistency and quality | ||
| Bank statement and cashflow analysis | ||
| FOIR and repayment headroom | ||
| Employment stability and tenure | ||
| Behavioural and application signals | ||
| Geo-location and compliance checks | ||
| PMLA/ Sanctions screening | ||
| Coverage | 3/10 | 10/10 |
For Lenders
A borrower must clear every pillar before they appear on the live loan, no single number decides it.
Go beyond a single number. See the full financial picture, income quality, cashflow health, repayment headroom, before you commit capital.
Multi-dimensional scoring filters out borrowers who may look creditworthy on paper but carry hidden stress, high FOIR, declining income, or unstable employment.
Every listed borrower comes with a clear BQS breakdown across all 5 pillars. You see exactly what you're lending to no black boxes.
Industry Context
RBI regulations require every NBFC-P2P platform to conduct credit assessment and risk profiling of borrowers before listing them. But regulations define the minimum, not the standard.
In P2P lending, the lender bears the full credit risk. Unlike bank deposits, there is no guarantee of principal or interests. This makes the quality of borrower assessment the single most important differentiator between platforms. BQS is our answer to this challenge. By going well beyond bureau scores, incorporating cashflow analysis, FOIR-based capacity checks, and behavioural intelligence, we aim to give lenders on 1 Finance P2P the most comprehensive borrower assessment available.
Earn potential returns of up to 16% p.a.
An income you can plan your life around.
One more asset in your portfolio.
Every borrower on 1 Finance P2P is evaluated through BQS before they’re listed. Start exploring BQS assessed lending opportunities today.
Here’s a list of a few common questions that might help. If you have any other questions, you can call, email or text us on WhatsApp.
No. A CIBIL score is one input into BQS, but BQS goes far beyond it. While CIBIL primarily reflects past repayment history, BQS incorporates income stability, cashflow patterns, repayment capacity (FOIR), employment tenure, and compliance checks — providing a forward-looking, 360° assessment.
BQS evaluates every borrower across 250+ data points spanning five pillars: Identity & Compliance, Credit History, Income & Cashflow, Repayment Capacity, and Stability & Behaviour.
It's possible, but unlikely without strong compensating factors. A borrower with a lower bureau score but excellent income consistency, low FOIR, stable employment, and clean compliance checks may still qualify — because BQS looks at the complete picture, not just one number.
BQS acts as a multi-layered filter. Only borrowers who clear all five pillar checks are listed on the platform. This significantly reduces the risk of lending to borrowers who may appear creditworthy on paper but carry hidden financial stress.
Yes. 100% of borrowers on 1 Finance P2P are evaluated through the BQS framework before they appear on the platform. There are no exceptions.
Most P2P platforms rely heavily on bureau scores and basic KYC for credit assessment. BQS is a proprietary, multi-dimensional framework that adds deep cashflow analysis, FOIR-based capacity checks, and behavioural intelligence — going well beyond industry-standard practices.
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care@1financep2p.comFor quick response to all your queries, reach out to us on WhatsApp.
