Our Risk & Credit Philosophy
Risk & Credit Framework
Capital preservation comes first
Financial Diligence
To support a comprehensive credit evaluation, borrowers must submit audited financial statements for a minimum of three consecutive years, demonstrating consistent financial performance and operational sustainability
Asset-Backed Security
A minimum collateral coverage ratio of 120% is required for every facility, with security restricted to approved and actively tradable commodity assets to preserve liquidity and protect investor capital
Proven Operators Only
To maintain strong portfolio quality and reduce operational risk, we do not extend financing to first-time or unproven operators, focusing instead on counterparties with established performance history
Physical Collateral Control
Risk oversight is continuous and multi-layered, combining independent collateral management, location-based verification, and active supervision by the CapitalSage Risk and Control team
Leadership and Governance
Credit Assist is led by experienced professionals across capital markets, structured trade finance, agriculture, risk management, audit, and compliance. Our governance framework emphasizes clear separation of origination, risk, and monitoring functions, supported by strong audit controls and regulatory compliance