LendWise IQ

KfW · ILO · Environmental & Social Risk Management Framework

Loan Screening & Appraisal Platform

Complete the 5-step screening for each application. E&S risk is classified automatically. DSCR updates in real time.

Total Applications

—

Loading…

Approved

—

Final decision

Submitted

—

Pending review

Declined

—

Not eligible

📋

Recent Applications

Ref	SME	E&S	DSCR	Status
Loading…

📊

E&S Risk Breakdown

Loan Register

All Applications

All applications are stored securely in the LendWise IQ database.

📂

Applications

—

Ref No.	SME Name	Institution	Loan Type	Requested	E&S Risk	DSCR	Decision	Status	Date
Loading…

Step 1 of 5

Loan Information

Record borrower and loan details.

Application: New (unsaved)

01

Borrower Details

SME / Business Name Applicant Name Sector / Activity Governorate Years in Operation Relationship Officer

Loan Purpose Application Date

02

Loan Parameters

Loan Type

Requested AmountIQD Interest Rate% Loan Term (months) Repayment Share%

Loan Category

SME Working Capital Loan

Short-term financing for operational needs (max 24 months).

Step 2 of 5

Exclusion List Check

If the borrower's activity appears here, the loan is not eligible.

⚠️ Hard gate: Any activity on this list makes the SME ineligible. Aligned with KfW and IFC exclusion lists, approved by ILO.

🚷 Labour & Human Rights

Forced labour or child labour (ILO Conventions)

⚗️ Internationally Prohibited Products

Pharmaceuticals, pesticides & toxic substances (Rotterdam, Stockholm, WHO)
Ozone-depleting substances (Montreal Protocol)
Protected wildlife products (CITES)
Prohibited transboundary waste (Basel Convention)

🌿 Environmentally Sensitive

Destruction of environmentally protected areas
Radioactive material (excl. shielded medical sources)
Unbound asbestos
Destructive fishing / drift-net > 2.5km
Forced eviction or resettlement

⚡ Energy & Extractives

Nuclear plants; Uranium mining
Coal: extraction, transport, power plants
Oil: upstream, transport, refineries
Natural gas: upstream, new grids, LNG
Grey hydrogen without CCS

🔫 Weapons & Munitions

Production or trade of arms and munitions

🌲 Forestry

Logging from primary tropical/dry forests
Wood products not from sustainably managed forests

☣️ Hazardous Chemicals

Large-scale hazardous chemicals without safety measures

🏛️ Indigenous Peoples

Activities on indigenous land without documented consent

!

Substantially-Restricted Activities

Alcoholic beverages (excl. beer & wine)
Tobacco production or trade
Gambling, casinos

✓

Exclusion Confirmation

Does the loan purpose fall under the Project's Exclusion List?

Step 3 of 5

Environmental & Social Screening

Select the sector for inherent risk, then optionally complete the checklist for additional precision.

A

Part A — Sector Risk Assessment (Required)

Select the SME's primary sector. Each sector has an inherent risk rating based on IFC Performance Standards and KfW guidance.

Scale of Activity

Location Sensitivity

E&S Management Capacity

🎯

Inherent Risk Category

Select sector above

B

Part B — Detailed Checklist (Optional)

Use Yes/No scoring checklist

When enabled, checklist score combines with sector rating. When disabled, only sector rating applies.

AP

ESG Action Plan — required for Medium risk

Pre-filled from flagged items — edit as needed.

✓

Screener Sign-off

Screened by Date

Step 4 of 5

Cash Flow & DSCR Workbench

Enter the borrower's monthly figures. DSCR and recommended loan amount update automatically.

📊 Live DSCR Dashboardawaiting inputs

Awaiting inputs

Monthly Instalment

—

from loan terms

Net Cash for Debt

—

from monthly table

Stress DSCR (−20%)

—

below 1.0 = concern

Debt Burden

—

of total income

Affordable Instalment

—

80% of net cash

Funding Gap Analysis

—

max working-capital

Recommended Loan Amount

— IQD

Enter figures to see recommendation.

A

Monthly Cash Flow

verbal estimates — 12 months

Quick-fill: Monthly In Monthly Out Owner Draw

Month	Cash In (IQD)	Cash Out (IQD)	Owner Draw (IQD)	Net (IQD)
Average Monthly Net				0

B

Business Income & Expenses

Monthly SalesAvg monthly gross revenue?IQD COGS (%)% of sales as cost of goods?% Business ExpensesRent, salaries, utilities…IQD Existing Loan PaymentsMonthly instalment on current loansIQD

C

Household Income & Expenses

Other Monthly IncomeSalary, rent, remittances?IQD Household ExpensesFood, rent, school, health…IQD Household Loan PaymentsOther personal debt?IQD

D

Collateral / Assets

Inventory / ReceivablesIQD Other AssetsIQD

Step 5 of 5

Final Loan Decision Summary

Review all screening results and record the credit officer's final decision.

i

Screening Overview

Institution

—

Borrower

—

Loan Type

—

Requested Amount

—

Exclusion Check

—

E&S Risk

—

DSCR

—

Recommended Amount

—

📝

Credit Officer Decision

Decision Approved AmountIQD Decision Date

Conditions / Notes

Credit Officer Branch / Department Signature Date

Administration

User Management

Create and manage credit officers across all institutions.

👥

All Users

Name	Email	Role	Institution	Status	Last Login
Loading…

Analytics

Reports & Analytics

Cross-institution overview and performance metrics.