FICO® Small Business Scoring Service
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FICO® Small Business Scoring Service

FICO® Small Business Scoring Servicesm is recognized as the industry leader in assessing the risk of US small business credit applicants. This service helps you say "yes" to the right applicants faster, and build a healthy portfolio of commercial accounts.
Key Benefits
  • Accelerate lending decisions 
    FICO Small Business Scoring Service brings the speed of consumer lending to your commercial lending decisions. With Small Business Scoring Service, you can make decisions in hours, not days, improving customer satisfaction and helping you attract more small businesses.
  • Build a more profitable small business credit portfolio
    The decisions you make with Small Business Scoring Service will help you balance portfolio growth with risk exposure. By knowing applicants' risk, you can make smarter pricing and other decisions.
  • Target your decisions to specific markets 
    Small Business Scoring Service includes different models for different market segments, including leasing and agriculture. This improves your risk assessment for specific lending programs.
Feature Highlights
  • Rank-ordering risk 
    FICO Small Business Scoring Service rank-orders applicants by their likelihood of making payments on time.
  • Suite of models for small business loan and lease applicants
    A total of 66 models means precise risk assessment for a variety of market segments. Each application is automatically routed to the right model, and a score is returned.
  • Scoring based on analysis of rich pooled data 
    Small Business Scoring Service is based on a partnership with FICO clients, who contribute data used to build ever more powerful models. As clients have used these models and increased their portfolio sizes, they've acquired and shared new, richer data with Fair Isaac.
Versions
  • Small Business Origination Scores 6.0
    The latest release includes 66 models, allowing lenders to score many more market segments; better separation of goods and bads for all models; models validated for Term Loan/Line of Credit transactions up to $750,000; the flexibility to use any combination of data to evaluate credit risk; a suite of models specifically focused on start-up businesses; and a Credit Offer Index to help lenders measure a business's capacity to pay.
  • Available in North America

Speak with a FICO representative about our solutions and your business needs by calling us:

US (toll free): +1 888 342 6336
International: +44 (0) 207 940 8718

Or email us using the form on this page. We look forward to speaking with you.
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