FICO® Origination Manager Essentials—Small Business

Make faster, smarter small business lending decisions at a lower cost


Why use the same manual origination process for a $50,000 small business loan that you would for a $5 million loan? FICO® Origination Manager Essentials-Small Business automates lending decisions, increasing account profitability and approval rates. All without additional risk.

  • Pre-built rules and workflows are tailored for small business loans, leases, lines of credit and commercial cards.
  • Simple tools allow your lending experts to refine the application steps and parameters for qualification.
  • Ready-made data connections provide application data, consumer bureau data and commercial bureau data.
  • FICO® Small Business Scoring Service℠ (SBSS℠) provides insight into business-specific risk.
  • Information retention makes compliance and auditing easy.

It's easy to get started with Origination Manager Essentials using a streamlined, three-step process.

Getting Started with Origination Manager Essentials The 3 Phase Process

Core Benefits

Origination in line with ROI

Scalable smart decisions

Easier regulatory compliance

Origination in line with ROI

  • Reduce the time and money spent originating loans with smaller ROI potential.
  • Access market-leading FICO® Small Business Scoring Service℠ (SBSS℠) out-of-the-box. Based on application score and your own score cut-off and policy rules, skip or shorten processing steps.
  • Control when consumer and business bureau reports are pulled, saving unnecessary credit report expenses.

Scalable smart decisions

  • Grow your portfolio by increasing the number of applications you process while still making careful, astute decisions.
  • Process applications based on rules reflecting industry best practices, FICO's extensive experience with small business lenders, and your organization's expertise.
  • Free your lenders to focus on applications that need special attention, and to initiate and nurture small business relationships.

Easier regulatory compliance

  • Rules-based processing improves decision consistency across channels and reduces the chances for human subjectivity and error.
  • A complete audit trail means all necessary information is captured, including rules and human intervention at each step, giving you everything you need to answer questions and prepare reports.

Solution Architecture

Origination Manager Essentials

Application Processing "Out of the Box" to Propel Small Business Growth

This cloud-based loan origination system for small business lending gets mid-market lenders started with automated decisions quickly. It removes the entry barrier of installing software in-house or in a hosted environment.


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