Small Business Credit

Make smarter, faster decisions with a clear view of risk and profitability.

Overview

Lenders today are challenged with giving small businesses the credit they need while striking the right balance between regulatory compliance, business risk and profit. Leveraging advanced analytics tailored specifically to evaluate small business risk, lenders can originate loans that maintain that balance while improving the customer experience. Customers get a more streamlined and transparent originations process with loans that are fine-tuned just for them. Lenders win through lower-cost, more compliant loans. 

Solution Architecture

FICO® Origination Manager Essentials — Small Business

FICO Origination Manager Essentials — Small Business is an affordable, easy-to-use, cloud-based origination system that provides the essential capabilities you need to expedite decisions for small business term loan, lease, line of credit and commercial card products. You can be making lending decisions within weeks, with no need for analytic expertise or IT assistance. Working with simple web-based tools, your business experts control the process of making data-driven decisions that are objective, consistent and help enable regulatory compliance.

Customers

Available Products

FICO® Application Studio

Product overview

FICO® Application Studio is a powerful solution that shortens the time to develop and deliver analytically powered applications—up to 10 times faster than traditional approaches—that are secure, mobile-ready and can be deployed as a cloud-based or on-premises solution.

FICO® Blaze Advisor® Decision Rules Management System

FICO® Origination Manager

FICO® Small Business Scoring Service

Product overview

FICO® Application Studio is a powerful solution that shortens the time to develop and deliver analytically powered applications—up to 10 times faster than traditional approaches—that are secure, mobile-ready and can be deployed as a cloud-based or on-premises solution.

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Featured Case Study

Heartland Financial USA

"Small businesses are critically important for the health and recovery of the U.S. economy, and we’re very serious about building our business by helping small businesses succeed. We selected the FICO Small Business Scoring Service because we required flexible and powerful tools for implementing new lending strategies aimed at this vital sector. This solution will enable us to get more credit more quickly to the local businesses we serve."

 

Leila Shanoff
Senior Vice President and Small Business Loan Center Manager
Heartland Financial USA