MASHINIi

Lendway, Inc..

LDWY.US | Other credit granting

Lendway, Inc. is a financial technology company focused on providing innovative lending solutions. While specific details about their operations are limited, the company likely offers services such as loan origination, loan servicing, and potentially other financial products through digital platform...Show More

Ethical Profile

Mixed.

Lendway, Inc., an agricultural company focused on fresh-cut tulips, has established a code of ethics, whistleblower protection, and an independent audit committee. However, critics point to a lack of transparency regarding regulatory fines and third-party ethical verifications. The company also underwent a financial restatement in 2023, linked to the sale of its In-Store Marketing Business. While agricultural operations inherently impact worker welfare and the environment, specific details on Lendway's performance in these areas are currently unavailable.

Value Scores

Better Health for All0
-100100
Fair Money & Economic Opportunity0
-100100
Fair Pay & Worker Respect0
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business-40
-100100
Kind to Animals0
-100100
No War, No Weapons0
-100100
Planet-Friendly Business0
-100100
Respect for Cultures & Communities0
-100100
Safe & Smart Tech0
-100100
Zero Waste & Sustainable Products0
-100100

Better Health for All

0

Lendway, Inc. is a specialty agricultural and finance company, primarily involved in tulip production and agricultural real estate loans.

1
The provided articles explicitly state that the company's business activities are not health-related and therefore, all health-specific KPIs are 'Not applicable'.
2
This indicates that the company's products and services have no significant positive or negative health impact, and its operations do not involve health-related considerations such as safety, accessibility of health products, health innovation, or health equity programs.
3

Fair Money & Economic Opportunity

0

No specific, concrete data points were found in the provided articles to assess Lendway, Inc. against the defined KPIs for Fair Money & Economic Opportunity. The articles primarily detail the company's corporate financial performance, acquisitions (specifically Bloomia, an agricultural company), and its own debt structures and interest rates.

1
There is no evidence regarding customer loan terms, fees, financial literacy initiatives, impact on customer wealth building, or the demographics of its lending clients.

Fair Pay & Worker Respect

0

No specific, quantitative evidence was found in the provided articles for any of the KPIs related to Fair Pay & Worker Respect. , a credit agreement, explicitly states it does not contain information on living wage coverage, CEO median pay ratio, collective bargaining share, safety incident rate, pay equity ratio, worker engagement score, turnover rate, labor violation incidents, insecure contract share, or health insurance coverage.

1
While it includes clauses related to compliance with various laws, it does not provide any data on substantiated labor law or human rights violations.
2
was inaccessible.
3

Fair Trade & Ethical Sourcing

0

Lendway, Inc. (LDWY.US) is a financial technology company that acquired Bloomia B.V., which procures tulip bulbs from various suppliers.

1
Despite having a supply chain, the provided articles, including financial reports, do not contain specific, quantifiable data points for any of the KPIs related to Fair Trade & Ethical Sourcing.
2
There is no information on the percentage of fair-trade certified inputs, the frequency of supplier audits, the number of substantiated forced or child labor incidents, the traceability coverage of suppliers, the median days to close corrective action plans, the percentage of supplier contracts with enforceable ethical-sourcing clauses, the share of spend on high-risk materials, or the percentage of procurement budget directed to diverse suppliers.
3
Therefore, based solely on the provided evidence, no KPIs can be scored.

Honest & Fair Business

-40

Lendway, Inc. had one financial restatement in 2023 due to the sale of its In-Store Marketing Business.

1
The company has a code of ethics available on its website and adopted a Mandatory Compensation Recoupment Policy in November 2023 to address potential accounting restatements.
2
Procedures for confidential and anonymous complaints regarding accounting, internal controls, or auditing matters are established, and a policy prohibiting retaliation against whistleblowers is in place.
3
The Audit Committee Charter requires committee members to be independent according to SEC and Nasdaq rules, and all current directors are stated to be independent.
4
Independent auditors are responsible for auditing financial statements and reviewing unaudited interim statements, and their independence is evaluated.
5

Kind to Animals

0

No specific, concrete data points or relevant information regarding Lendway, Inc.'s performance on any 'Kind to Animals' KPI were found in the provided articles.

1
All articles explicitly state that no data specific to LDWY.US or Kind to Animals was found.
2

No War, No Weapons

0

No evidence available to assess Lendway, Inc. on No War, No Weapons.

Planet-Friendly Business

0

Based on the available evidence, there is insufficient information to accurately assess Lendway, Inc.'s alignment with planet-friendly business practices. The company's operations involve agriculture, which inherently has environmental impacts related to land use, water consumption, and potential use of pesticides and fertilizers

1
. While Bloomia B.V. uses hydroponic methods, which are described as more environmentally friendly, specific data on emissions, water usage, and other key environmental metrics are not disclosed
2
. Without quantitative data or documented sustainability commitments, a meaningful assessment cannot be made
3
. Therefore, the score is set to zero due to a lack of sufficient evidence.

Respect for Cultures & Communities

0

No evidence available to assess Lendway, Inc. on Respect for Cultures & Communities.

Safe & Smart Tech

0

No evidence available to assess Lendway, Inc. on Safe & Smart Tech.

Zero Waste & Sustainable Products

0

No specific, concrete data points for Lendway, Inc. (LDWY.US) related to any of the 'Zero Waste & Sustainable Products' KPIs were found in the provided articles.

1
The articles discuss general food waste statistics and global environmental issues but do not offer company-specific information for Lendway, Inc.
2

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AI-generated analysis based on publicly available data. Not financial advice. Ratings are expressions of opinion derived from automated models and may contain inaccuracies. See our Risk Disclosure for full details.