MicroCredit Ventures assesses four basic factors to evaluate the creditworthiness of an MFI:

• Quality and integrity of the management and Board of Directors;
• Quality of the client-borrower loan portfolio;
• Financial performance and prospects for growth;
• Stability of the political, economic and legal environment of the country.

To receive financing from MicroCredit Ventures, an MFI must:

• Serve at least 5,000 borrowers or have a minimum US$500,000 loan portfolio;
• Maintain portfolio-at-risk (i.e., outstanding balance of all loans with payments in arrears beyond 30 days) below 10%;
• Be operationally self-sufficient or demonstrate a clear plan to achieve operational self-sufficiency;
• Provide independent audit reports covering at least the two most recent years;
• Have a business plan with three years of financial projections;
• Present a credit rating or other similar external evaluation/recommendation;
• Additionally, MicroCredit Ventures' loan or guarantee may not exceed thirty five percent of an MFI's gross loan portfolio