How Can I Use the SBRI Origination Scores?

If you are a financial institution, the SBRI Origination Scores are transactional scores to be used in both your origination and your account management strategies, as the scores facilitate more efficient and complete decisioning across the customer lifecycle. The SBRI Origination Scores offer a competitive advantage since more robust and accurate decisions can be made by combining the SBRI Score with consumer credit bureau scores on the principal owners of a business.

In you are a non-financial institution, you should primarily use the D&B Commercial Credit Score and data. However, you can also use SBRI financial services payment �account summaries� section and use the SBRI Scores to gain incremental insight into how this business pays their other financial obligations.

Now more informed decisions can be made when a more complete or �360 degree view� of the small business customer is achieved. With these proven analytics, you can evaluate the broadest range of data with this combination of resources � commercial data, financial services data, trade credit data, public records, and consumer data on the business owners.

Incorporating the SBRI Origination Score in your small business risk decisioning process allows you to approve the most profitable applicants with the most appropriate terms. The SBRI Score incorporates predictive data not previously available to existing origination processes thereby adding invaluable insight into the process. Combining this invaluable insight with other predictive techniques strengthens your origination and account management strategy. Implementing sophisticated decision rule overlays that include the SBRI Score will provide additional depth to your decisioning capabilities and incorporating the SBRI Score into your account management strategy will allow you to optimize your portfolio�s profitability