SOLUTIONS
Cashflow Score
Credit Risk Model
Credit Offer Model
Financial Health Summary
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Increase Approvals
Monitor Portfolio
Optimize Loan Terms
Small Business Lending
Lend More Inclusively
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SOLUTIONS
Credit Offer Model
Recommendations for how much to lend and at what price optimized to your financial goals
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Grow your balance sheet
Reach more borrowers by safely expanding access to higher limits.
Improve your margins
Fine-tune terms with default elasticity modeling that balances risk and return.
Balance risk and performance
Simulate and validate lending outcomes before you roll them out at scale.
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Know how much to lend and at what price
Our Credit Offer Model identifies value-maximizing limits and pricing so you can optimize margins.
Default Risk
(as loan size increases)
Low under $30,000
Starts rising after $30,000
Spikes significantly over $40,000
Margin Contribution
Per loan
Rises steadily up to $30,000
Peaks around $30,000-$35,000
Drops after $35,000 due to risk
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How it works
1. Input default probability model
We build a bespoke credit risk model based on your data to predict likelihood of default.
2. Apply simulated limit scenarios
We model various loan limit strategies to assess risk and reward trade-offs.
3. Run performance analysis
We analyze projected outcomes to understand impacts on defaults and profitability.
4. Recommendation delivery
We provide limit and pricing recommendations that balance risk and return for your business.
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Compliance Ready
Meets strict compliance standards while delivering on speed, fairness, and transparency.
No PII required
Models use de-identified transaction data.
ECOA-compliant
Protected class information isn’t required or used in decisioning.
Explainable outputs
Model features can map directly to adverse action reasons.
See other solutions
Cashflow
Score
Credit Risk
Model
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