Creditworthiness is a term used by lenders to describe a borrower’s credit history and likelihood of repaying a debt. A borrower’s creditworthiness is determined by their credit score, which is a numerical representation of their credit history. The higher a borrower’s credit score, the more creditworthy they are considered to be. Lenders use creditworthiness as … Read more
Impaired credit is a term used to describe a credit file that has been damaged in some way. This can include things like late payments, defaults, bankruptcies or other similar items. Having impaired credit can make it difficult to get approved for new loans or credit cards, and can also lead to higher interest rates … Read more
The Beacon Score is a credit score that was developed by FICO. It is a numerical representation of an individual’s creditworthiness. The Beacon Score ranges from 300 to 850, with a higher score indicating a lower risk of default. What is a Tier 1 credit score? A “Tier 1 credit score” is generally considered to … Read more
What is a credit score? How is it determined? And how can I improve mine? What are 5 ways to improve your credit score? There are a number of things you can do to improve your credit score. Here are five: 1. Make sure you make all of your payments on time. This is one … Read more
Financial literacy is the ability to understand and use financial information to make informed decisions. It includes knowledge of financial concepts, such as saving, investing, and credit, and the ability to use this information to make sound financial decisions. There is no single definition of financial literacy, but most experts agree that it involves more … Read more
A back-door listing is a type of initial public offering (IPO) in which a company that is already publicly traded purchases a private company and then combines the two companies. The purpose of a back-door listing is to allow the private company to become publicly traded without going through the traditional IPO process. There are … Read more
An “Offering” refers to the sale of securities by a company in order to raise capital. The securities are typically sold to institutional investors, such as banks, insurance companies, and mutual funds, as well as to wealthy individuals. The company will usually engage an investment bank to act as an underwriter for the offering. The … Read more
A stabilizing bid is an order to buy shares in an IPO that is placed by the investment bank that is underwriting the deal. The purpose of the stabilizing bid is to support the price of the stock after it begins trading, in order to avoid a sharp decline. When a company goes public, it … Read more
The term “flotation” refers to the process of bringing a company onto the stock market. This involves the sale of shares in the company to investors, in order to raise capital for the business. The process of flotation can be a complex and lengthy one, and it is often overseen by investment banks and other … Read more
Devolvement is the process through which a company’s shares are offered to the public for the first time. The company may choose to do this in order to raise capital, to increase its visibility, or to create a market for its shares. The process of devolvement can be complex, and there are a number of … Read more
