MeridianLink and FICO Partner to Help Hundreds of Small Banks and Credit Unions Speed Consumer and Small Business Lending

White building
Radial circle

SAN JOSE, Calif. – June 20, 2013 –MeridianLink, developer of the industry's first multi-channel account opening and loan origination platform, and FICO (NYSE: FICO), a leading predictive analytics and decision management software company, today announced that they are working together to provide their mutual bank and credit union clients with access to FICO’s small business and consumer lending models.

The solution will combine MeridianLink’s loan origination platform, LoansPQ™, a web-based consumer loan management solution, with two sets of models built by FICO on pooled data representing thousands of loans: FICO® Consumer Application Risk Models (FICO ARM 3.0) and the FICO® Small Business Scoring ServiceSM solution ( FICO SBSSSM 7.0). Launched in October of 2012, FICO SBSS 7.0 is the industry leading scoring service for assessing the risk of US small business credit applicants, and FICO ARM 3.0 provides an immediate, cost-effective means for assessing risk for a variety of consumer portfolios and market segments. The combined MeridianLink and FICO solution will help banks and credit unions generate instant loan decisions for home equity line of credit, auto loans, credit cards, commercial loans and many other loan products. By using FICO analytics, lenders will be able to speed loan decisions while reducing delinquency and charge-off losses, approving more applicants, increasing profitability, streamlining operations and ensuring regulatory compliance.

“Our customers are looking for online account opening and lending solutions that ensure the right credit decisions are made quickly and efficiently,” said, Doug Glagola, vice president of Business Development at MeridianLink. “With these new pooled models from FICO, we’re putting this power right in their hands.”

“Demand for credit from consumers and small businesses is intense, and lenders must respond in real time with offers closely tailored to the applicant’s needs,” said Bill Waid, general manager, Americas at FICO. "The integrated solution from MeridianLink and FICO enables lenders to grow profitably by adapting quickly to changing market conditions and making more competitive offers to consumers and small business borrowers.”

About MeridianLink
MeridianLink, Inc., developer of the industry's first multi-channel account opening and loan origination platform, is a leading provider of enterprise business solutions for 20,000+ financial service organizations. The company’s passion for excellence is reflected in their web-based credit reporting, lending and new account opening/deposit technologies, which all enjoy solid reputations as being cutting edge, reliable and affordable. Based in Costa Mesa, California, MeridianLink is committed to creating “Smart Solutions” that deliver “Real Value.” For more information, visit

About FICO
FICO (NYSE: FICO) is a leading analytics software company, helping businesses in 80+ countries make better decisions that drive higher levels of growth, profitability and customer satisfaction. The company’s groundbreaking use of Big Data and mathematical algorithms to predict consumer behavior has transformed entire industries. FICO provides analytics software and tools used across multiple industries to manage risk, fight fraud, build more profitable customer relationships, optimize operations and meet strict government regulations. Many of our products reach industry-wide adoption — such as the FICO® Score, the standard measure of consumer credit risk in the United States. FICO solutions leverage open-source standards and cloud computing to maximize flexibility, speed deployment and reduce costs. The company also helps millions of people manage their personal credit health.

FICO: Make every decision count™. Learn more at

Statement Concerning Forward-Looking Information
Except for historical information contained herein, the statements contained in this news release that relate to FICO or its business are forward-looking statements within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are subject to risks and uncertainties that may cause actual results to differ materially, including the success of the Company’s Decision Management strategy and reengineering plan, the maintenance of its existing relationships and ability to create new relationships with customers and key alliance partners, its ability to continue to develop new and enhanced products and services, its ability to recruit and retain key technical and managerial personnel, competition, regulatory changes applicable to the use of consumer credit and other data, the failure to realize the anticipated benefits of any acquisitions, continuing material adverse developments in global economic conditions, and other risks described from time to time in FICO’s SEC reports, including its Annual Report on Form 10-K for the year ended September 30, 2012 and its last quarterly report on Form 10-Q for the period ended March 31, 2013. If any of these risks or uncertainties materializes, FICO’s results could differ materially from its expectations. FICO disclaims any intent or obligation to update these forward-looking statements.

LoanPQ is a trademark of MeridianLink, Inc. FICO, Small Business Scoring Service, SBSS and “Make every decision count” are trademarks or registered trademarks of Fair Isaac Corporation in the United States and in other countries.

Media contacts


Katie O’Connell
+1 510-621-9832

Europe, Middle East & Africa

Darcy Sullivan
+44 (0) 7808-777-339

Asia Pacific

Saxon Shirley
+65 6422-7795

Latin America

Marisa Arribas
+1 786 482 7231

América Latina

Milla Delfino
+55 11 97673-6583

Take the next step

Connect with FICO for answers to all your product and solution questions. Interested in becoming a business partner? Contact us to learn more. We look forward to hearing from you.