Ebook

Keeping Score: Why Data Quality Determines Lending Decisions

Explore the data behind banks’ lending decisions in our latest survey report with PYMNTS—small businesses are rejected five times more often.

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Download to unlock key takeaways

Data quality is the leading barrier to micro-business lending
Higher-quality data drives both improved approval rates and greater profitability
Real-time, third-party data is critical for smarter lending decisions
Micro-businesses are often overlooked—trapped in a data blind spot
Banks serving more SMBs tend to have the weakest data infrastructure

Inside the survey report

84% of banks with robust underwriting find SMB lending highly profitable.
57% of financial institutions say they offer comprehensive credit assessments for small businesses—but just 30% say the same for microbusinesses.
Six in 10 U.S. banks say they’re highly interested in third-party providers offering live access to SMB and microbusiness data.

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