Credit Risk Innovation 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.
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.
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.