Credit Scoring & Assessment for SMB Lenders
Uplinq 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.
It’s Credit Assessment as a Service.
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.
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.
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.