Whitepapers

Loan origination Validis

The new reality of commercial lending – Credit decisioning in the crisis

Credit Risk whitepaper Business loan portfolios are changing at an extraordinary speed. Assessing default risk, deciding capital allocation, or devising collection strategies now demands the most current information inputs. In this whitepaper, we discuss how automating the collection of accurate financial statements for small businesses can drastically reduce the risk in your portfolio, improve accuracy of loss provisioning, …

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Credit risk management

The value of real-time financial statements to the credit risk function

A Validis white paper Financing small and medium sized businesses (SMBs) has become a hotly contested market due to the opportunity presented by the well documented funding gap. The challenges faced by lenders and their credit risk teams are many, and include regulatory pressures, legacy infrastructure, changing customer expectation and a new breed of digital competitors. And …

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SMB lending

Achieving growth of SMB lending

The commercial loan market is becoming increasingly competitive. Lenders are battling it out to strengthen their expertise and increase the size of their credit portfolios, while maintaining risk standards. Currently, a positive economic outlook is helping boost total business lending and in particular the need for working capital solutions for small and medium sized businesses. Lenders …

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Open Banking

Open Banking: Charting industry progress

Download your copy of this exclusive white paper and join the Open Banking discussion. Our new Open Banking whitepaper features Richard Davies (SME Banking Director at TSB) and Nick Vanstone (Director of Business Information Consulting at Experian) discussing: How far we’ve come with Open Banking in the UK The opportunity it presents for small businesses The additional value of …

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Data Enabled Lender

The Data-Enabled Lender

Get your copy of this exclusive white paper and find out how you can improve your SMB lending efficiency by 80%. For decades, lenders have based small business lending decisions on outdated data points such as FICO scores or tax returns.  Even worse, that data is skewed and often inconsistent with the health and viability of the business. This …

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