Esusu Financial manages the recipient selection process based on a thorough application review for satisfaction of our underwriting criteria. Key criteria considered includes (i) financial need; (ii) low rental payment delinquency history (3 months or less); (iii) application completion; and (iiiv) KYC identity verification. This population is most likely to pay back the loan, and the goal of the rent relief program is to prevent eviction rather than delay eviction.