Unlocking Growth and Managing Risk: Strategic Portfolio Analysis for Sustainable Lending Success

In small business lending, making informed, data-driven decisions is crucial for success.
Syh Strategies offers a Portfolio Analysis service designed to provide actionable insights that help lenders optimize performance, manage risk, and drive sustainable growth.

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Our Process

Our analysis begins with a comprehensive portfolio-level evaluation, where we assess key metrics such as origination trends, approval rates, and risk factors to identify overarching trends and opportunities. We then dive deeper by segmenting your portfolio into categories like new versus renewal business or direct versus broker-sourced deals, offering a granular understanding of specific challenges and opportunities within each segment. Finally, we focus on optimizing the balance between risk and reward, providing insights to help you fine-tune underwriting practices, credit policies, and pricing strategies in alignment with your financial goals.

Strategic Insights and Decisions

  • Efficiency in Approvals and Funding: Identify bottlenecks to streamline operations, enhance conversion rates, and increase the speed and efficiency of your lending process.
  • Optimizing Risk Management: Analyze default rates and risk indicators to adjust credit policies, better managing risk while capturing valuable opportunities.
  • Enhancing Customer Retention: Develop strategies based on renewal patterns and customer behaviors to increase renewal rates and customer lifetime value.
  • Identifying Growth Opportunities: Highlight trends in loan size, term, and pricing to explore market expansion or product differentiation.
  • Improving Operational Efficiency: Evaluate the entire lending process to recommend improvements that reduce costs and increase productivity.

Why
Syh Strategies?

At Syh Strategies, we understand that each lender's portfolio is unique. Our analysis delivers customized insights that reflect the specific dynamics of your business, helping you refine risk management, improve customer retention, and explore growth opportunities.

What Our Clients Say

"We saw a significant operational and financial impact working with Syh Strategies. They helped us leverage our existing data providers more effectively while introducing new vendors to increase our effectiveness. As a result, our underwriters are more confident in their work, our brokers are getting faster and more competitive offers, and our total cost of underwriting applicants has 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