Decisioning
Apply your loan policy effortlessly.
Evaluate applicants against your loan policy with human-assisted or fully automated approvals.
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Automation without a loss of control.
Eligibility and pricing is configurable at the product and borrower level. You set the required qualification standards and pricing thresholds.
Making business lending easier.
Automate with confidence.
Intelligent Lending tabulates transaction insights, third party validated data, credit data, and firmographic data to evaluate applicants against your loan policy in a flash.
Tiered and product specific pricing.
Pricing for loan products can be dynamically configured based on borrower qualifications and rules-based evaluations.
Automated digital offer presentation.
Show applicants which products they’re qualified for, with your pricing policy applied. Applicants can configure their desired terms within your pre-defined bounds.
Ready to learn more?
Let’s talk about how our Embedded Lending platform can help you provide your small business customers the capital they need.
Frictionless conversion
Provide your SMB customers a self-service digital loan application prefilled with their data.
New customer acquisition
Acquire new borrowers by joining the Lendio marketplace (optional).
Effective cross-sell
Pre-qualify and deploy targeted marketing to your existing SMB depositors.
Loan processing
Leverage a workflow solution from the company that has funded more than 400,000 SMBs.
FAQs
Lendio Intelligent Lending is a SaaS platform that allows financial institutions to profitably serve small business owners of every size with capital solutions. Our platform includes critical capabilities that make small business lending scalable, including decisioning, digital loan application experience, transaction analytics, digital closing, and competitive intelligence. Our intelligent lending platform also seamlessly enables financial institutions to participate in Lendio’s marketplace to source new borrowers.
Lendio’s Intelligent Lending solution can act as your LOS for small business loans if you choose. Our solution is also architected to integrate with your existing LOS in a way that is complementary. Our Intelligent Lending software provides decisioning and digital application capabilities purpose-built for small business lending that extend beyond an LOS’s core capabilities.
Pricing for loan products can be configured to respond dynamically to borrower profile data. Common examples include setting maximum / minimum thresholds or ratios of change for data points such as:
- Credit score
- Time in business
- Average daily balance
- Average monthly revenue
- Term- Payment frequency
- Rate/factor
A common example might be that a lender varies the APR and approved loan amount as a percentage of revenue depending on credit score. So a borrower with 725 credit might be approved for 12% of revenue at an 11% APR; while a borrower with 675 credit might be approved for 10% of revenue at a 13% APR.
Yes! Leveraging our Intelligent Lending technology gives you the option to acquire new borrowers through Lendio’s direct channels and our embedded relationships with enterprise small business service providers and retailers.