Skip to content

Credit Scoring for Small Business Derived From $1.4 Trillion in Loans

Request a Demo
Flower shop owner standing in her establishment

10,000+ connections into unique small business data sources, in 150+ countries.

Billions of alternative environmental, market & community data sets.

AI-driven insights & analytics, developed from 18+ years of in-market platform experience serving lenders worldwide.

Trusted Customers & Partners

  • BDC (Canada)
  • CIBC
  • CIMB
  • Citizens
  • Corpay
  • Equifax
  • EY
  • First Citizens Bank
  • Fiserv
  • MaRS
  • Mastercard
  • M&T Bank
  • Scotiabank
  • SME Finance Forum
  • Visa
  • BDC (Canada)
  • CIBC
  • CIMB
  • Citizens
  • Corpay
  • Equifax
  • EY
  • First Citizens Bank
  • Fiserv
  • MaRS
  • Mastercard
  • M&T Bank
  • Scotiabank
  • SME Finance Forum
  • Visa

Transformational Customer Results

65% – 112%

increase in loan approvals.

47% – 54%

increase in net credit margin.

181% – 750%

improvement in credit quality.

10s of Millions

of $ to the bottom line per year.

100s of Millions

of $ over 3 – 5 years.

Millions

in additional working capital impacting local communities.

Enhance Credit Decisions

Uplinq Financial Technologies leverages billions of expanded data sets to provide credit decisioning support for small business lenders worldwide.

Uplinq’s core mission is to facilitate fair credit access for small business owners worldwide by empowering lenders to approve significantly more loans, particularly benefiting minority and underserved segments that might have otherwise been declined.
Model Gini with Uplinq 0.832 Model Gini without Uplinq: 0.312

Access to funding and working capital remains a challenge for small and medium sized businesses. Uplinq’s advanced credit decisioning technology can help to alleviate pain points for lenders, to ultimately support the financial health of SMBs.

Denise Press North American Head of Small Business, Visa Commercial Solutions

Uplinq owns the most comprehensive set of relevant-data in the market and provides underwriters the tools to understand & incorporate this data into their existing models. Banks & fintech lenders alike aim to intimately understand their customers – Uplinq gives them the ability to gain this deeper understanding.

John Horner Former CIO & Treasurer, JPMorgan Chase

Uplinq’s credit decisioning system is built for the modern day. The use of alternative data, coupled with traditional data, will make a significant impact both for Western economies, as well as International markets. Uplinq’s solution is Web3 for SMB lenders.

Mike Dean Former President, Experian Consumer Services

Compliance

Internal and regulatory compliance is expensive, difficult to enforce, and labor intensive. Uplinq’s technology can integrate most lending compliance standards within our digital decision support tools. With Uplinq, satisfaction of Fairness, Safety and Soundness, Data Security and other mission critical requirements become inherent to the decision making process, with the confidence that comes with near perfect compliance and with little effort demanded of the lenders we serve.
  • Exceeds SR 11-7, IFRS-9, Basel III requirements, and all compliance and regulatory standards unique to each lender we serve
  • White box solution. Transparent and reviewable AI.
  • Soc 2, Type 2 compliant
Exceeds SR11-7 Compliance. Transparent and Reviewable AI. SOC2T2 Certified

While combining AI powered insights and analytics, Uplinq leverages over 10,000 unique data sources to help financial providers improve credit scoring and default management with confidence.

Derek Ellington Former EVP, Head Small Business Banking, Wells Fargo