Previous experience in non-Bank lending can help the company in the cryptocurrency sphere. I think that they are aware of the various aspects for the protection of loans against default.
I agree that there are different methods of definition of credit rating of borrowers because it is very important that borrowers would return the credits.
The company should have a base of customers both creditworthy and non-creditworthy. This will help them to make decisions when issuing loans and will probably allow them to offer different lending conditions depending on the reliability of the client.