In determining the creditworthiness and financial condition assessment borrowers - individuals who receive credit as entrepreneurs have taken into account as relevant indicators established for entities, including the following qualitative and quantitative indicators: - Management (quality management, business reputation and relationships in business environment, the willingness and ability of the client to carry personally responsibility for loan commitments, etc.); - Market factors (type of industry attractiveness rating of products / services produced / provided by the client, the market for such goods / services, the level of competition in customer activity, duration of activity particular market, etc.); - Forecast cash flows (value of equity and the size of the loan, the cash turnover ratio per month and the amount of credit, etc.). Classification of borrowers - individuals as a result of the determination of their credit (financial position) is based on the level of collateral in credit operations: Class "A" - the total net income of the borrower exceeds contributions repayment and interest / fees for it, chances are high