Structure of AIRATE

• Main feature of the AIRATE structure is the combination of technology assessment and risk analysis. Usually evaluation on technological competitiveness and analysis of creditworthiness are separately conducted. In contrast, AIRATE integrates technology evaluation with conventional credit rating system, as it puts greater value on the technological factors of companies.
• Clear understanding on them enables the evaluators to better assess the risks involved in financing in tech SMEs. The figure below illustrates the structure of the AIRATE methodology.

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