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%