Lending & Credit Decisioning · Use case

Underwrite SMB working capital

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Short answer

SME underwriting works best with live data — bank transactions, accounting records, platform sales — combined with bureau information. A lending platform connects those sources, applies your policy and runs the facility from drawdown to repayment.

What this use case is

SME underwriting works best with live data — bank transactions, accounting records, platform sales — combined with bureau information. A lending platform connects those sources, applies your policy and runs the facility from drawdown to repayment.

Who builds this

Vertical SaaS
Marketplaces and payment platforms
SME neobanks
Specialist lenders

What your customer sees

  1. 1Sees a pre-qualified offer in their software
  2. 2Connects accounts
  3. 3Gets a decision
  4. 4Draws funds when needed
  5. 5Repays from future revenue or on schedule

How Lending & Credit Decisioning solves it

1

Business data connected with consent

Business data connected with consent

2

Cash flow and performance analysed

Cash flow and performance analysed

3

Policy and scorecards produce a limit and price

Policy and scorecards produce a limit and price

4

Offer presented in your product

Offer presented in your product

5

Drawdowns disbursed

Drawdowns disbursed

6

Repayments collected, limits reviewed

Repayments collected, limits reviewed

Want to have

  1. Open banking and accounting integrations
  2. Business bureau data
  3. Configurable policy
  4. Credit lines and drawdowns
  5. Repayment options including revenue-based
  6. Portfolio monitoring

Optional

  1. Pre-qualification from platform data
  2. Automated limit reviews
  3. Invoice financing

Design decisions

Offer model

Pre-qualified offers
Application on demand

conversion versus data effort.

Repayment

Fixed schedule
Revenue-based

simplicity versus alignment with cash flow.

What to put in your RFP

Data

  • sources per market

Decisioning

  • policy
  • limits
  • pricing

Product

  • lines
  • terms
  • repayment types

Servicing

  • drawdowns
  • reviews
  • collections

Commercials

  • per loan and platform fees
Add these to an RFP

How to evaluate providers for this use case

  1. 1Data integrations in your markets
  2. 2Policy flexibility
  3. 3Monitoring tools
  4. 4Partner lender options

Pitfalls

  • Relying on one data source
  • Offers that ignore seasonality
  • No monitoring after drawdown

What providers will ask you

  1. Customer base and data you hold
  2. Markets
  3. Lending partner or permission
  4. Funding

Other Finlane categories that cover parts of this

This use case is solved mainly with Lending & Credit Decisioning. These categories cover specific parts of it and can be tendered alongside it.

Open Banking & Account Data

Business account data

Banking-as-a-Service

Accounts for disbursement and repayment

Frequently asked questions

Other Lending & Credit Decisioning use cases

Launch an embedded BNPL product

Offer split-pay or installment credit at checkout with decisioning, disbursement and servicing bundled.

Service consumer loans end-to-end

Handle amortization schedules, repayments, hardship flows, statements and collections.

Build a credit card program on modern rails

Combine a card issuer with a decisioning and ledger engine to launch a revolving credit product.

Scope underwrite SMB working capital with Lending & Credit Decisioning providers

Scope this use case