Billions of data points
The most comprehensive data repository on small business financial performance in the world. Our platform has direct connections into 10,000+ data sources on small business in over 150 countries worldwide.
Some of the data sources we are integrated with...
- All major core banking platforms worldwide
- All major cloud accounting software packages
- Accounting CSV & text data
- Manual accounting data
- Banking data
- Macro-economic data
- Regional-economic data
- Local-economic data
- Equity market data
- Bond/Debt market data
- Commodity market data
- Commercial real estate data
- Residential real estate data
- Weather data
- Other environmental data
- Fiber & other 1Gb data
- 2G, 3G, 4G, 5G data
- Energy data
- Water data
- Sewage & waste data
- Roads data
- Ports data
- Health data
- Education data
- Agriculture data
- Credit data
- Rating agencies data
- Taxes & revenue peer data
- Taxes & revenue business data
- Taxes & revenue owner/applicant
- Business demographic data
- Census & demographics data
- Crime data
- Trade association data
- University forecasts data
Credit scoring
Uplinq's score is derived from 17 underlying sub-scores to provide lenders with an actionable score that attenuates based on the SMB and lender's use case.
These sub-scores are created across 4 dimensions:
1. Environmental & External
Supply / demand / production / infrastructure & other external factors that impact an SMB based on their geography, business & industry type.
2. Business Specific
Business financials; historical data; liquidity position; strength of business assets; labour & supply dynamics and growth/loss rates.
3. Business Principal/Owner Specific
Business principal's financials, past history & other factors. Emphasis on identity coalescence…an important factor in managing default risk from an intention to pay perspective.
4. Institutional & Compliance
Score development around multi-sourced data congruence including, inclusion & compliance screening to predict alignment with regulatory requirements.
End result is a powerful and highly predictive score with unparalleled accuracy to get to the most precise credit risk assessment on SMB loan applications.
Safe & compliant
Trust is at the cornerstone of our commitment to our clients and that’s why data security & data privacy are at the core of our company's focus.
Working towards both SOC 2 & ISO 27001 certification standards and ensuring that all data privacy regulations like CCPA & GDPR are complied with.
Our infrastructure is on AWS and is highly scalable, and built from the ground up for security & velocity.
How to integrate
- APIs - Build your own front-end SMB experiences on top of our APIs.
- Embeddable views - Get up and running according to your schedule. Made by developers, for developers.
