Background

  • Create and augment a credit scoring model for fast-growing US Fintech serving SMB lenders

Results

  • Uplinq’s modeling and data provided robust Gini scores, despite very limited data from the Fintech across training & test data sets
  • Uplinq’s time and location matched data enhanced predictability (ex. US, State, Local Economy, Gas, Labor, cost of goods, etc.)
  • Uplinq model represented an 80% gross yield improvement of 1513 bps, vis-à-vis one of the lender’s original portfolio yield

Conclusion

  • Uplinq’s process-oriented modeling removes vulnerability resulting from limited information, thereby producing stable & reliable underwriting models from inception
  • With over $1.4 Trillion underwritten across business types, lenders and  geographies, Uplinq understands the predictive attributes of small business better than most others

‍

‍

‍