Published On: August 3, 2021|By |Categories: Blog, News|

How to Crack the Small Business Lending Code

JUDI.AI shares advice with – An interview powered by Callahan and Associates. LogoSmall and medium businesses (SMBs) play a huge role in keeping the economy alive – but most credit unions currently find themselves under indexed in small business lending. The economic instability caused by the pandemic has made doing business extraordinarily difficult for many SMBs, and for the community-minded financial institutions that want to provide these enterprises with working credit lifelines and personalized advice.

In this interview, Gord Baizley, CEO of JUDI.AI, explains how their small business lending analytics platform is used by credit unions to leverage real-time cash flow, AI and SMB-specific credit intelligence that helps their business members – and their loan portfolios – survive, grow and thrive.

Read the full interview to understand:


  • How you can overcome the difficulties in credit scoring small businesses, such as:
    • Missed lending opportunities due to low SMB credit score hit rates, inflexible “one size fits all” commercial credit risk models, thin credit history, and stale financials
    • High risk for low margins and interest rates (50% of small businesses fail after five years)
    • Manual inefficiencies in loan application intake, underwriting, and annual reviews
    • Increased competition from big banks, alternative lenders, and big techs that are setting a higher standard for borrower convenience and responsiveness
    • Lack of real-time visibility into predictive risk and growth indicators
    • Lack of post-lending SMB cash flow insights to align product offerings, successfully grow SMB relationships, and acquire new ones


  • What to look for when it comes to SMB-specific credit science expertise, product onboarding/integration and training support


  • Where you can take your new PPP borrowers beyond the pandemic, and how cash flow data analysis and ongoing risk monitoring are helping credit unions to win their new members over by:
    • Deepening relationships and providing the business insights and advice SMBs need to grow their business
    • Accelerating the application intake and underwriting process for faster access to financing
    • Making it easier to apply for SMB loans across digital and in-branch channels


  • Why credit unions are choosing JUDI.AI for:Continuous Risk Monitoring Screenshot
      • SMB-specific credit analysis and automated underwriting – Increasing the speed and approving 20% more SMB loans (without adding risk) through automation, machine learning, and alternative cash flow data analysis for increased scoring accuracy.
      • Continuous cash flow performance monitoring – Monitoring current SMB operating and financing cash flow positions to immediately flag high-risk growth and risk indicators, such as NSFs, missed payments, debt service coverage ratio, new line of credit payments, and negative account balance trends.
      • Loan portfolio reporting and post-lending growth analytics – Leveraging data insights and credit intelligence to deepen small business relationships and help credit unions prioritize risk and growth opportunities to reduce delinquent loans and accelerate loan portfolio growth.


You can read the full interview here. For more information, or to request a demonstration of the JUDI.AI small business lending analytics platform, you can also read the product sheet or contact [email protected].


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