Transaction analytics

Prequalify and cross-sell your existing depositors.

Examine your small business depositor population against your loan policy and deploy customized prequalified offers.

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79% match rate from pre-qualification to close
Grow wallet-share with current depositors and maintain primacy
Decrease underwriting cost by pursuing highly qualified cohorts

High predictive value leads to engagement and retention.

72% of banks say they can’t effectively cross-sell to their customers. With Lendio, a regional banking partner was able to prequalify 34% of their SMB depositors and drive $3.1M in loan volume with a single campaign.

Get a holistic view on applicant health.

Transaction classification powered by machine learning.

Lendio’s patented transaction analytics classifies and tabulates transactions, generating a clear picture on business financial health.

Unrivaled competitive insights.

Learn which competing lenders are already serving your depositors with loans and other financial products.

Predict loan outcomes and expand access to capital.

Leveraging transaction insights in your loan policy is an effective way to expand access to capital while managing risk.

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.

Find out what else you can do with Intelligent Lending.

Credit policy automation

Evaluate applicants against your loan policy with human-assisted or fully automated approvals.

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).

Loan processing

Leverage a workflow solution from the company that has funded more than 400,000 SMBs.

FAQs

What is Lendio Intelligent Lending?

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.

Is Lendio Intelligent Lending a LOS?

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.

What flexibility do I have in setting up loan pricing?

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.

Can I source new borrowers by using your Intelligent Lending technology?

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.