Why small business lending?

A tectonic shift is transforming small business lending from an obligation to a compelling proposition, where mission and profit are no longer mutually exclusive.

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Home|Small Business Lending Opportunity

Double down on what you do well

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As a community lender, you’re already well positioned to win – incumbent relationships, a trusted brand, a lower cost of capital and a valuable personalized service model.

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judi ai smb lending opportunity open banking technology approval

Reinvent yourself to compete and win in a digital world

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Use open banking technology to acquire real-time data without friction. Use machine learning and artificial intelligence to organize and action that data.

“The use of alternative data and machine learning has been shown in several cases to improve credit assessments.”

Source: Federal Reserve Bank of Philadelphia, The Impact of Fintech Lending on Credit Access for U.S. Small Businesses

Dimensions of reinvention

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A compelling business case

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With spreads substantially higher on small business loans, a small business lending program could yield hundreds or even thousands of local small businesses funded and an outsized contribution to net interest income.

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“The formula for success boils down to the following: Incumbent acquisition advantage + reinvention = viable economics.”

Source: Celent, Reinventing Small Business Credit

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A strategic mandate

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We know you strive to support your local communities every day. Small businesses are the heartbeat. Small business loans are highly strategic products that anchor broader banking relationships.

“Small businesses are critical growth engines for most economies, so it is crucial for lenders to unpack this market.”

Source: The Economist, What is shaping the ecosystem
of small business lending?

How can JUDI help you take advantage of the opportunity in small business lending?