Precise Default Prediction for Commercial Portfolios
For small businesses, our evaluation centers on the principal and key business attributes. For larger loan sizes, we integrate basic financial ratios. Middle-market evaluations include a detailed three-year analysis of financial statements to predict the risk of default with high accuracy.
Specialized Solutions for:
Model Customization
We offer industry-specific generic scorecards, as well as empirical and judgmental custom scoring models. Our approach ensures that your unique market niche is accounted for in every decision.
A Multi-Dimensional Data Approach
We combine data from diverse sources into statistically sound, streamlined decision tools.
Business Type
Analysis of industry stability and business structure.
Owner Credit
Evaluation of the principal's personal creditworthiness.
Business Bureau
Integration of dedicated business credit agency reports.
Financials
In-depth review of historical financial statements.
"If you don't already have a scorecard in place, our Credit Check Up™ is a great first step in the development process."