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To screen the applicant-firms, typical technology credit scoring models consider technology-related factors such as level of technology, profitability, and marketability of technology along with management characteristics, firm characteristics, and economic factors. However, psychological and behavioral attributes of entrepreneurs of the applicant-firms have received comparatively less attention, though an entrepreneur\u2019 personal traits are likely to significantly affect the management in a small and medium enterprise. In this paper, we propose a technology credit scorecard that additionally accommodates applicant\u2019s intelligence, personality, integrity, verbal communication, and non-verbal behaviors. Fuzzy analytic hierarchy process allows to determine the relative importance of these attributes. 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