DigiFi for Small Business Loan Underwriting

DigiFi helps small business lenders optimize and automate their underwriting processes by digitizing existing credit policies and going beyond traditional underwriting with machine learning

  • End-to-end automation of existing credit and pricing policies
  • Leading-edge ML models built with neural networks & boosted trees
  • Integrations with credit bureaus, alternative bureaus and other sources
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From Our Blog
Accelerating Small Business Lending with Machine Learning

Lenders that identify ways to efficiently serve small businesses while maintaining high-quality underwriting can build highly profitable and scalable businesses. Machine learning models can help by distilling complex datasets into accurate lending decisions...

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POWERFUL PREDICTIVE MODELS
FULLY EXPLAINABLE DECISIONS
BANK-LEVEL COMPLIANCE

Reduce Loan Defaults

Take your underwriting beyond standard credit scores with exceptionally accurate risk models built with next-generation machine learning algorithms

Approve More Customers

Identify more creditworthy borrowers with predictive machine learning models and unlock new online distribution channels with automated underwriting

Eliminate Black Boxes

Benefit from transformative transparency by seeing exactly how decisions are made including clear reasons for complex machine learning predictions

Transform Your Small Business Underwriting

Take your underwriting to the next level with powerful machine learning and credit policy automation

OPTIMIZED UNDERWRITING

Our ML models are exceptionally powerful, resulting in more good loans and less bad ones

SERVE MORE CUSTOMERS

DigiFi’s platform empowers lenders to better address a wider credit spectrum, including thin-file applicants

DATA INTEGRATIONS

We connect directly to the third-party data sources you need, such as credit bureaus and other data

INSTANT APPLICATION PROCESSING

Your other systems can connect to via API to instantly process applications in real-time

EXPLAINABLE MACHINE LEARNING

DigiFi’s proprietary explainability framework provides specific reasons for every decision

ACCELERATED BY TECHNOLOGY

Our platform optimizes and automates underwriting processes in a fraction of the time and cost

Our Underwriting Solutions

Machine Learning Risk Models

Extremely accurate predictive models trained with your data and next-generation machine learning

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  • Exceptional power relative to traditional risk scores, such as FICO® or VantageScore®
  • Leverages leading-edge ML tech, including neural networks and gradient-boosted trees
  • Clear explanations for complex ML decisions to meet bank-level compliance requirements

Underwriting Automation

Turnkey automation of your credit policy, underwriting rules and data integrations

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  • Digitizes credit requirements, scoring models, risk-based pricing and exposure management
  • Direct integrations with credit bureaus, alternative data providers and other sources
  • Simple API for instantly processing real-time decisions with complete accuracy

Digital Lending

Online lending and affiliate lead generation solution that integrates with your existing LOS

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  • Delight your customers with a smooth digital process and instant underwriting responses
  • Efficiently process thousands of high-quality applications from lead-gen affiliates
  • Fully managed solution that sits on top of your existing LOS and is simple to set up
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