The expansion of these tools creates a more transparent and efficient financial ecosystem:
: Analyzing credits, debits, and balances over a 24-month period to tell a complete financial story.
Small businesses are the backbone of the economy, yet 85% of owners are searching for faster, easier access to capital. Traditional funding for small-business applicants has seen a steady decline, falling from 51% in 2019 to just 30% by 2021.
: Understanding today's revenue trends rather than last year's tax returns.
This provides a holistic, multidimensional view of performance:
: Comparing a business’s performance against industry standards using unique network intelligence. Why This Matters for Small Businesses
For decades, the standard for determining creditworthiness has relied on static, historical snapshots of financial health. For many small business owners and consumers with "thin" credit files, this traditional model has felt more like a barrier than a bridge to growth.
