SME lending is the hardest credit decision in banking. Our AI scorecards combine financial, behavioral, and alternative data to approve more good SMEs faster — while cutting NPL formation by up to 30%.
60 days
Default early warning
30%
NPL formation reduction
50+
Financial ratios analyzed
10 sectors
Pre-calibrated models
40%
of EU bank NPLs originate from SME loan books (ECB 2024)
67%
of SME defaults show behavioral warning signs 45+ days before the event
2–3×
more variables needed vs. consumer scoring to accurately assess SME risk
From first application to collections — every stage of the SME credit lifecycle covered by purpose-built models.
ML-powered application scoring that evaluates financial health, industry risk, ownership structure, and behavioral signals — delivering an instant decision recommendation with full explainability.
Continuous post-origination scoring that flags deteriorating SME accounts up to 60 days before default — based on transaction behavior, payment patterns, and covenant compliance.
Macro-overlay models that adjust individual SME scores in real time based on sector performance, inflation shocks, or regulatory changes — essential for EU/CEE market dynamics.
Alternative scoring model for SMEs with limited credit history — leverages cash flow, market data, and behavioral proxies where traditional bureau data is insufficient.
Dynamic credit limit recommendations that adjust exposure based on live behavioral signals — automatically increasing or decreasing limits without manual review.
Specialist model for SME collections — assessing workout viability, liquidation risk, and recovery path probability to route accounts to the right treatment strategy.
Our models ship with sector-specific risk parameters — no months of calibration needed before go-live.
Walk through a live demo using your portfolio profile and get a tailored NPL reduction estimate within 48 hours.