Lengthy application
process

Increasing
interest rates

Time consuming
credit decisions
1 SMBs are
very diverse
2 SMB data is
not standardized
3 Traditional
SMB writing is
inefficient
4 Big banks
approve <15% of
SMB loan requests

Challenges in lending to SMBs

No-code solutions

Limited access to quality data for underwriting
Relevant up to date data sources can be threaded into workflows and credit rules
High operating costs
Intelligent automation means no human error, increased efficiency & reduced OPEX
Heavy dependence on manual processing
AI-based automation eliminates manual, repetitive, and time-consuming tasks
Systems are slow to adapt to market and technology change
No-code reduces dev time by 60%, enabling FIs to launch and iterate on the go
High default rates on loan portfolios
Reduced default rates given enhanced underwriting
Borrower
modules
Sales & Broker
modules
Verification &
Operations modules
Underwriting &
Decisioning modules
Servicing
modules
Innovation
modules
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