Empowering Your Lending Decisions with Data-Driven Credit Scorecards

Small business lending is complex, and making sound credit decisions is critical. For over 10 years, Syh Strategies has worked with lenders of all sizes to develop, fine-tune, and adjust their underwriting credit models and scorecards. Our expertise in identifying and quantifying important datasets allows underwriters to get a deep and textured view of their applicants. With our finger on the  pulse of the industry as a whole, we help our clients adjust and evolve within our fast paced and ever changing environment. We understand what it takes to succeed.

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Our Process

Our process begins with a comprehensive review of your current credit policies and datasets. By identifying the key variables that influence creditworthiness, we work with you to craft a customized credit scorecard, including decision and pricing engines  that integrate traditional metrics with second and third order data inputs. This ensures a comprehensive view of the borrowers’ profile.
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We then focus on automation, enabling seamless integration of these scorecards into your existing systems. This automation allows you to scale operations efficiently, handling routine credit requests quickly and consistently, while reserving your team’s resources for more complex decision-making.

The Right Solution

  • Data-Driven Credit Models: Utilize historical data, third-party reports, and firmographic information to develop comprehensive  credit scorecards that predict risk with accuracy.
  • Automated Decisioning: Implement automation with strategic waterfalls that streamline credit decisions, reduce costs, increases speed, and is scalable.
  • Consistent and Objective Processes: Standardize credit decisioning to eliminate inconsistencies and biases, ensuring objective treatment across all applicants.
  • Optimized Risk Management: Apply our multidimensional approach to refine credit policies and better manage risk while identifying valuable lending opportunities.
  • Scalable Solutions: Develop scorecards and decisioning engines that grow with your business, that can adapt to evolving needs to enhance operational efficiency.

What Our Clients Say

"We saw a significant operational and financial impact working with Sherif and his team. They helped us leverage our existing data providers more effectively while introducing new vendors that addressed operational gaps. As a result, our total cost of underwriting an application dropped significantly."

CEO

Emerging Working Capital Provider

"Our goal entering 2024 was to double originations. Partnering with Syh Strategies allowed us to transform our operations and credit decisioning processes, get more competitive, and reduce our risk exposure. We’ve scaled our operations and have grown the book from 9 to 15 million per month, I’m confident we’ll achieve our goals.”

CEO

Emerging Working Capital Provider

“Working with Syh Strategies allowed us to find gold in our portfolio. The learnings from our collaboration impacted our credit, sales, and operations teams.
We know meet with the Syh Strategies team on a quarterly basis for an objective view of our portfolio.”

CEO

Working Capital / Mid-market Equipment Financing Company

Syh Strategies Insights

The Shifting Landscape of Small Business Credit: A Growing Opportunity in Private Lending

The Key Role of Credit Scorecards In Small Business Lending

Introducing the Q Small Business Score: A Paradigm Shift in Evaluating Small Business Borrowers

Credit Scorecards For Equipment Finance and Leasing Lenders

How Small Business Lenders Can Employ Benford’s Law to Detect Fraud

Takeaways For Alternative / Online Lenders From The 2023 Federal Reserve Small Business Community Survey

Mailing Address:
244 Madison Ave.
#4000
New York, NY 10016
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