Uplinq Fair and Accessible Credit white paper is now available for download
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April 24, 2024
12 - 1 pm EDT (UTC-04:00)

Fair and Accessible Credit for Small Business, and the Impact of AI

Credit Risk Innovation for SMB Lenders

Uplinq Financial Technologies empowers lenders to approve and manage risks on loans they would have otherwise declined based on traditional loan underwriting criteria, while incorporating environmental, market & community data to better understand the specific SMB loan applicant.

We complement an SMB Lender's existing credit evaluation process, empowering them to make a more informed decision within the context of their existing risk framework.

We’re a credit decisioning support technology for SMB Lenders.

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Our technology has served as a foundation for over $1.4 Trillion in underwritten loans


Our technology leverages historical data sets...

that have passed the most stringent regulatory & compliance testing by local banking regulators for programs in the countries in which we have served.

of data points
direct connections into SMB data sources
150+ Countries
of local SMB data sets
Local SMB data risk signals

Local SMB data

Business performance is the result of a business interacting with the world around it. 

Uplinq understands local small business financial performance like no other service provider globally.


Examples include...

North America – minority population wiring money back home; tax filings for peer group/benchmarking.

LATAM – business references tied to age, older and more senior; utility & payments infrastructure.

Middle East – positive behaviors within various community memberships; trade associations; civic/schools; social accountability.

Africa – supplier, distributor, business chain relationships; environmental/social/political risk factors beyond control.

APAC – detail in financial books; family experience in other business; proximity/access to markets; access to health & education services; access to improved housing; traffic counts.

Examples of small business data risk signals include
Accuracy & validation

Accuracy & validation

Other providers use a lot of buzz words and claim their analytics are the most accurate. We use science, statistically validated and regulatory approved data as evidence of our accuracy.

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