Underwrite
Accelerate underwriting with smart signals
that support better decisions.
Drive profitable growth while controlling risk across every account with dynamic line management.
Use near real‑time data and advanced risk signals to support fair, profitable underwriting decisions that better serve customers' needs and circumstances.
Line
assignment
Match credit lines and pricing precisely to
each applicant's true risk profile for fair,
profitable decisions.
Authorization
Optimize authorization decisions with near
real-time data to reduce fraud and improve approval rates.
Line
management
Dynamically adjust credit lines based on
real-time behavior and risk signals to grow
good balances.
Turn financial insight
into better underwriting
Make better underwriting decisions by combining transaction‑level insight, cash flow signals and behavioral context. These insights help lenders assign appropriate credit lines, manage authorization risk and optimize line management over time.
How lenders can optimize decisions with
Small Business Credit Analytics.
Challenge
Without a complete and current view of financial behavior,
lenders risk overlooking viable prospects, misjudging
creditworthiness, and leaving qualified, especially thin‑file
applicants underserved.
Solution
Earlier visibility into business performance reduces unnecessary manual reviews and enables more confident initial decisions.
Sales trend insights help lenders set more appropriate initial
credit lines.
Decisions can be grounded in real-world business activity rather
than limited historical data.
Two identical applicants...
SMB Applicant #1
Medium risk
Medium ATP
Income - $100k
Revenue - Stated
SMB Applicant #2
Medium risk
Medium ATP
Income - $100k
Revenue - Stated
Applications flow to Loan Origination System. Both were manually approved for $5,000 credit.
Income/Ability to Pay (ATP)
Credit Risk
Low
High
Medium
Low
Low
Auto decline
Review
Review
Medium
Review
Review
Auto approve
High
Review
Auto approve
Auto approve
Add Small Business Credit Analytics
for greater visibility into business health.
SMB Applicant #1
Mastercard retail sales transactions have increased 40% over past 6 months
No chargebacks
SMB Applicant #2
No Mastercard retail sales
transactions in last 12 months
Negative trend in chargebacks
Powering smarter, faster and more inclusive lending decisions across every stage of the credit lifecycle.
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