Small Business Credit

Better decisions based on risk and profitability factors.

Overview

Lenders today are challenged with presenting best fit loans to small businesses while maintaining a balance between regulation, business risk and profit. Leveraging score-based decisioning that takes small business risk and profitability factors into consideration helps lenders originate loans in which everyone wins.  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 and tools for building usage.  

Solution Architecture

FICO® Decision Management Platform Streaming

FICO® Decision Management Platform Streaming is a high-performance distributed processing platform that serves both stream and batch sources of data. It is a component of the FICO® Decision Management Suite, a cost-effective and easy way for customers to evaluate, customize, deploy and scale state-of-the-art analytics and decision management solutions.

Customers

Available Products

FICO® Application Studio

Product overview

Organizations seek faster ways to build and deliver applications that use Big Data analytics to drive customer engagement across all touch points, aligned with business goals and strategies. 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 solution or on-premises.

FICO® Blaze Advisor® Decision Rules Management System

FICO® Origination Manager

FICO® Small Business Scoring Service

Product overview

Organizations seek faster ways to build and deliver applications that use Big Data analytics to drive customer engagement across all touch points, aligned with business goals and strategies. 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 solution or on-premises.

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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