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.
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.
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.