FICO® Small Business Scoring Service

Small business lending is challenging. Institutions need automated processes that reliably and consistently minimize the data, time, and expense of assessing a small business applicants’ credit risk.


FICO® Small Business Scoring Service (SBSS) is recognized as the industry leader in assessing the risk of US small business credit applicants. SBSS is delivered via our LiquidCredit(r) infrastructure and brings the speed of consumer lending to your small business lending decisions. With SBSS, you can make decisions in hours, not days, improving customer satisfaction and helping you attract more small businesses. This service helps you say “yes” to the right applicants faster, and build a healthy portfolio of commercial accounts.

Core Benefits

More profitable small business credit portfolios

Make objective, consistent decisions

Base scoring on analysis of rich pooled data

More profitable small business credit portfolios

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.

Make objective, consistent decisions

Small Business Scoring Service ensures consistent decisions across channels and lines of business. You can demonstrate this consistency to regulators and address other legal requirements, using the solution's score reason codes to assist in manual underwriting.

Base scoring on analysis of rich pooled data

SBSS 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 FICO.


It's not just who we work with, it's how well we work together.

Key Features

  • Variable models - validated for term loans, line of credit transactions and commercial cards up to US$1M
  • Policy rule definitions allow institutions to automatically approve, decline or flag applications for review.
  • Cloud based deployment can get institutions up and running in several weeks with little up-front investment
  • Client-configured rules reflect each institution's lending policies in data pulls from major consumer and commercial data sources

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Featured Case Study


“Making the effort to know our customers, combined with our commitment to outstanding service, enables us to offer local businesses an excellent alternative to the bigger, less personal banks. We selected FICO Small Business Scoring Service because we wanted flexible and powerful tools for implementing new lending strategies that help us meet the changing needs of small businesses. The FICO solution will enable us to get more credit flowing quickly to the local businesses we serve."

James Hanlon
Vice President and Commercial Risk Officer