Insights into Effectiveness through Data Science

Insights: Small Business

Small Business Credit Risk Infrastructure

A Small Business (SMB) lender in the US approached 2OS to aid in the creation and implementation of a custom credit risk model, valuations model, and a full credit policy. The new credit infrastructure supported future opportunities to increase origination volume of profitable, low-risk loans.

The Small Business Data Revolution: Reshaping Lending Decisions

Over the past decade, the Small Business (SMB) lending field has seen an explosion of innovation, with groundbreaking advancements in data sources, API technology, machine learning, digital onboarding, and instant decisioning. Initially driven by larger banks, these innovations have now been embraced and implemented at scale by fintech companies. In this article, we want to take you on a journey of how the SMB lending category has transformed over time, explore the emerging ecosystem of new technologies and data sources, and discuss how executives at banks, lending institutions, and payments companies can rapidly improve upon their current SMB offerings.