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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 FICO® LiquidCredit® Service 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.
More profitable small business credit portfolios
The decisions you make with FICO® 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
FICO® 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.
Variable models - validated for term loans, line of credit transactions and commercial cards up to US$1M.
Client-configured rules reflect each institution's lending policies in data pulls from major consumer and commercial data sources.
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.