ON Use Cases | Commercial Lending Technology

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Climate

Climate Assess and prepare for the risks and financial impacts of climate change Read More

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Crisis

Crisis In times of uncertainty, identify and get ahead of portfolio vulnerabilities Read More

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Mergers & Acquisitions

Mergers & Acquisitions Apply foresight into every transaction and bring portfolios into a common framework Read More

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Missing Middle

Missing Middle Lend confidently to businesses that have the biggest impact without extending risk Read More

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Monitoring

Monitoring Minimize losses by getting ahead of borrower financial hardship Read More

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Origination

Origination Drive growth across a broader, more profitable portfolio Read More

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Risk & Regulatory

Risk & Regulatory Transparent stress testing to confidently address changing regulatory requirements Read More

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Stress Testing

Granular detail and visibility of your loan book from 273 unique sector models

Look forward, not just backward, with forecasts underpinned by 273 sub-sector scenarios based on industry specific drivers that provide better credit-level decisions
Minimize credit losses and monitor loans with the same rigor that you use to underwrite them
Take proactive, preventative action across your portfolio, getting ahead of borrower financial hardship, industry driven risk deterioration, and covenant breaches
Conduct institutional grade analysis at speed and scale
Add objective third-party view and consistency of analysis with your credit risk committee, board of directors, and regulators with independent challenge to overlays, risk models and better provisioning

Maintain an underwriting view of a loan and your whole loan book on an ongoing basis, rather than just at origination and annual review
Achieve industry-leading customer satisfaction by making credit decisions 10x faster than traditional lending models
Re-underwrite your whole loan book based on our forward looking scenarios, near-instantaneously
Identify opportunities faster, and with less effort

Free up more capital for lending by risk rating loans and lowering losses
Become a trusted partner, not just a banker, with a deeper understanding of a borrower and their industries through sector insights
Manage ahead of industry driven financial hardship and preempt potential default events
Use the forward look of your current book to make better credit strategy decisions

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