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Scale Growth With Scored Business Lending

Use data and business rules to automate loan decisions. Scale lending and keep your teams focused on larger, more complex deals.

Scale Loan Growth
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Close More Loans and Help More Businesses

Make consistent, risk-informed decisions for smaller loan requests to provide more resources to small businesses in your community.
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Automate Loan Decisions

Move quickly to stay competitive without taking on unnecessary risk.

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Focus on Borrowers’ Needs

Get funds into the hands of borrowers when they need it.

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Handle Complex Deals

Reduce the processing cost on lower dollar loan amounts.

Helping Institutions Help Business Owners

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Automate Decisions

Make automated loan decisions to scale business lending and get answers to your borrowers in days, not weeks.

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Improve Decisions With Machine Learning

Connect data and processes to make informed lending decisions that drive growth without taking on unnecessary risk.

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Scale Up Loan Volume

Grow your portfolio but not your costs. Process more loans and meet increased demand without increasing headcount.

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Grow Your Market Share

High income households are often small business owners. Help more businesses to grow your wallet share and market share.

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Speed and Consistency with Flexibility

Get a faster “yes” or “no” or take a closer look at requests that fall in the gray area based on your risk tolerance.

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Balance Risk and Growth

Control your risk while driving loan growth with business rules that embed and automate your credit decision criteria.

Digital Banking: Maximizing Technology to Meet the Convenience Demands of Consumers and Small Businesses
View Whitepaper

Data-Driven Decisions

Prefill borrower data and pull in credit scores to make fast, accurate decisions.
Explore Scored Lending Integrations

Increased Capacity for Growing Portfolios

Growing the portfolio by scaling processes and decision capabilities.
Read Case Study
500 %
Business loan portfolio growth
15,000
Local businesses served
2 x
Loan application volume
Read Case Study
$ 10.4 B
Loan portfolio growth
$ 15.4 B
Asset growth
20 5
Year partnership with Baker Hill
Read Case Study
10 x
Increase in total loan production
12 x
Increase in total assets
20 +
Year partnership with Baker Hill

Resources for Scored
Lending Success

Learn about benefits of scored small business lending.

R/SE 2026: Where Clarity Met Execution
R/SE 2026: Where Clarity Met Execution

By: Penny Spehar

The Hidden Cost of a Fragmented Tech Stack
The Hidden Cost of a Fragmented Tech Stack

By: Baker Hill

You Can’t Improve What You Don’t Measure: Building Feedback Loops Into Lending
You Can’t Improve What You Don’t Measure: Building Feedback Loops Into Lending

By: Baker Hill

Winning Profitable Small Business Lending Through Intelligent Execution
Winning Profitable Small Business Lending Through Intelligent Execution

By: Baker Hill

How Data Is Changing How Lending Happens

By: Mike Horrocks

Frequently Asked Questions

Top questions about commercial loan origination solutions

What are the benefits of scored lending for financial institutions?

Scored lending offers numerous advantages for financial institutions, including streamlined loan processing, improved risk assessment, and enhanced decision-making efficiency. By leveraging data analytics and automated scoring models, institutions can evaluate loan applications more quickly and accurately, reducing processing time and operational costs.

What types of loans can be decisioned with scored lending?

Scored lending is ideal for various types of business loans, providing financial institutions with a versatile tool to increase loan volume and capacity. It can effectively decision several types of loans such as lines of credit, equipment financing, and working capital loans. With sophisticated scoring models and data analytics, institutions can customize their scored lending strategies to meet the unique needs of different business profiles and loan categories.

What role does the CFPB 1071 rule play in scored lending for financial institutions?

The CFPB 1071 rule requires financial institutions to collect and report data on small business lending, promoting transparency and fair lending practices. Compliance with this rule enhances the credibility of financial institutions and provides valuable insights into lending patterns. Scored lending supports 1071 compliance by providing a standardized and objective evaluation of loan applications.

In what ways does scored lending enhance efficiency for financial institutions?

Scored lending enables financial institutions to operate more efficiently by automating processes, reducing operational costs, and mitigating risks. It also allows institutions to make quicker and more informed decisions, improving customer experiences and increasing market competitiveness.

What impact does scored lending have on the overall loan portfolio?

Using data-driven scoring models, financial institutions can make more accurate assessments and better manage their loan portfolios. This approach increases the likelihood of timely repayments and decreases default rates, leading to a healthier and more profitable portfolio.

What scores can be used to automate loan decisions?

Small business scored lending integrates automated credit scoring models that leverage both traditional financial data and external data sources, speeding up the underwriting process, while providing a consistent approach to decisioning. We leverage FICO SBSS and also Experian IPv2 scores.

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Score Loans to Score More Business

Scale your capacity to make risk-informed lending decisions and help more businesses in your community thrive.

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