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.
Usually borrowers have different credit rating and the conditions of loans depends from the rating of borrow. I think such practice will be good for blockchain.