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Welcome To Creative Business Decisions

Small Business and Commercial Scoring Models

For small businesses, the evaluation centers on the principal and some basic attributes about the business. For larger loan sizes, some basic financial ratios are also analyzed. For middle market businesses, a detailed analysis of the last three years of financial statements is conducted and a risk of default predicted. We offer industry-specific generic scorecards, empirical and judgmental custom scoring models for

  • Equipment leasing
  • Installment loans
  • Corporate credit cards
  • Lines of credit
  • And more.

Our models examine

  • The type of business
  • The owner’s creditworthiness
  • Business credit reports
  • Financial statements.

We combine data from these sources into statistically sound, streamlined decision tools. If you don’t already have a scorecard in place, our Credit Check TM is a great first step in the development process.