A business lending product, not a retrofit
SME and business lending have different underwriting inputs and repayment patterns than consumer credit. Rather than stretching a consumer lending model to fit, business lending is configured around the data and structures that actually apply: business financials, trading history, and working capital cycles.
Term and working capital structures
Both fixed-term business loans and revolving working capital facilities are supported, configured to the products you offer.
Solvency assessment built for business financials
The same configurable scoring engine used across the platform applies here, set up against the inputs relevant to business lending rather than consumer credit data.
One platform across consumer and business lending
A lender offering both consumer and business products runs them on the same platform rather than maintaining separate systems for each.