With Biz2X Credit Analysis Software take your business lending operation to a whole new level of confidence and transparency, thanks to our suite of credit analysis tools including proprietary cash flow monitoring and transaction-level analysis you won’t find anywhere else.
Deliver instant insights to your staff with comprehensive real-time cash flow analysis tools.
Equip your credit risk teams with instant intelligence and financial insights to make informed lending decisions. The bank statement analyzer automates cash flow analysis, supports multiple document types, and provides detailed trend reports. Transaction-level analysis allows your bankers to drill into the most precise level of detail on each credit decision.
Keyword classification delivers insight into behaviour patterns that matter, including signs of business expansion, risk-driving transactions, and ongoing debt obligations.
With configurable credit scorecards and advanced BA score technology set uniquely according to your financial institution’s business needs, you can make better-informed underwriting decisions, reduce risk, and approve more qualified borrowers.
Incorporate experimental techniques based on machine learning that equip underwriters with real-time view of borrower health and recommendations on each credit file. Or program entirely automated lending decisions, without writing a line of code, thanks to Biz2X’s configurable rules engine and credit scorecard.
You choose how much automation your bank wants to use for lending decisions.
Automate rules-based decisions to get best-suited recommendations.
Biz2X’s comprehensive credit analytics suite combines powerful third-party data integrations, credit analysis tools, and transaction-level reporting to empower near-instant decisioning. Dial up automated decisions or recommendations with the latest financial analysis techniques, fully configurable to your policies and workflows. Save time with instant insights and improve confidence in every loan decision.
Configure fully automated lending decisions, based on your credit rules.
With Biz2X credit analysis software customize data access and platform features by role. Manage credit analysis, risk, communication, and reporting from one dashboard. Review documents, set reminders, and consolidate third-party data—credit reports, fraud checks, UCC filings, and more—in one flexible view. Tailor the interface to match your brand.
With Biz2X credit analysis software, take your business lending operation to a whole new level of confidence and transparency enabled by our suite of credit analysis tools. It includes proprietary cash flow monitoring and transaction-level analysis you won’t find anywhere else. Biz2X risk management software helps identify patterns and calculate risk patterns on each credit file.
Enhance Your Credit Decision-Making
Faster decisions
Format Flexibility
Reduce Risk
20 Million
25 Mins
The following stats are derived from our proven track record of helping global banks and credit unions enhance their credit processes.
40%
Faster Credit Decisions
Accelerated Analysis
Automate financial spreading and cash flow analysis for quicker decisions
2X
Loan Portfolio Growth
Higher Accuracy
Leverage real-time data and analytics for near-instant decisions with high accuracy.
~10%
Lower Default Rates
Advanced Risk Control
Take control with advance scorecards that respond to your unique credit policies
Process More Loan Applications
Process More Loan Applications
With AI-powered insights on borrowers' financial records and creditworthiness, Biz2X credit and risk management software enhances analysis speeds and accuracy. The automated data collection and report generation features reduce interpretation time and minimize human error. As a result, more decisions are made quickly with data-backed precision within your preset rules.
Reduced Risk Exposure
Reduced Risk Exposure
Our smart algorithms identify potential risks early using detailed cash flow analysis and trend reports, opening new opportunities for proactive risk management. Detailed borrower financial insights are provided to credit risk teams to confirm their risk assessments. As a result, your credit risk software strengthens portfolio health while reducing defaults.
Enhance Compliance
Enhance Compliance
Our ML-powered algorithm automates the logging of decisions from application to approval, ensuring full auditability. It also provides automated updates to stay compliant with the latest regulatory frameworks. As a result, every credit decision aligns with current standards, preventing complications.
Make Faster Decisions
Make Faster Decisions
Biz2X credit analysis software also helps financial institutions set predefined rejection rules to knock out applicants who do not meet the basic lending criteria. With the non-profitable crowd filtered out, underwriting teams can cater to the eligible applicants better while exploring better-suited cross-selling opportunities for them.
UMB bank transforms commercial lending with Biz2X Decision engine. See how Biz2X’s intelligent credit analysis software not only seamlessly integrated with UMB core provider but also helped them to drastically increase their loan processing rates and reduce decision time to 15 days.
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My bank currently uses a traditional credit analysis process. Why do I need credit analysis software?
The traditional credit analysis methods feel like running a race in heavy boots. You may be used to them, but they are silently slowing down growth due to multiple inefficiencies, errors, and a lack of visibility. Manual decisioning is also prone to bias, which can be one of the top reasons for non-compliance with financial regulations in the US.
These outdated methods are not designed to fulfill the modern lending standards of speed, accuracy, digital-first accessibility, security, and data-backed transparency. As a result, credit analysis software has become an integral part of top banks and credit unions worldwide.
My bank uses separate risk management technologies for credit analysis. Why should I consider Biz2X?
Many banks face challenges even with the use of separate advanced technologies. The most critical challenge is the lack of integration and compatibility, which hampers efficiency during crucial decision-making periods. Siloed technologies also restrict scalability and collectively cost the business more in the long term.
Biz2X loan decisioning software offers a single-stop solution providing most capabilities under one roof. Additionally, its vast and established ecosystem is built on seamless third-party integrations and federal partners like credit bureaus. The platform is also highly composable and seamlessly integrates with your existing credit management software.
How quickly can Biz2X's credit risk software be implemented for my bank or credit union?
Our go-to-market speed makes Biz2X one of the top credit decisioning solutions in the global lending industry. We typically get a base platform up and running in ~45 days, faster than most options available out there. We work closely with your internal teams to integrate existing systems and ensure minimum exigencies to further speed up the process. Our experts also provide thorough training to your Bank or Credit Union staff to help transition to Biz2X’s platform.
Can I customize the Biz2X platform according to my institution's specific credit policies and branding?
Biz2X is designed to offer complete customization specific to your branding requirements, ensuring your customers associate their entire experience with your Bank or Credit Union. Our loan decisioning software is highly configurable to automate rule-based decisions according to your credit policies. We also leverage AI to provide preventive insights to underwriting teams on risky applicants and minimize default rates.
What kind of improvements can I expect with Biz2X's credit analysis software?
With Biz2X, your Bank or Credit Union will experience improvement throughout the credit analysis process. The easy-to-use interface and automated tools allow faster decisions, reducing delays. An embedded AI-powered suite automates multiple mundane processes, freeing up your team’s bandwidth to handle more complex tasks or higher application volumes. Automated data-driven borrower insights reduce underwriting time while empowering smarter lending decisions, improving overall risk management.
How does Biz2X credit analysis software ensure compliance with US regulatory requirements during the credit decisioning process?
Compliance is a top priority at Biz2X, and our platform enables it by leveraging AI-powered capabilities. The entire software is made with digital accessibility regulations in the US, including ADA and WCAG, in mind. Every lending decision is logged automatically, with accurate data behind the decision at each stage. This capability, combined with on-time regulation updates, ensures end-to-end compliance with the latest regulatory changes.
What are the AI-powered capabilities of Biz2X credit analysis software?
Biz2X credit and risk management software comes with a powerful embedded AI suite to automate, reduce errors, and promote data-driven loan decisioning. It includes:
The bank statement analyzer tool automates pulling all the essential financial data from credit bureaus, uploaded user documents, and third-party services. Based on the predefined rules of your financial institution or the latest industry standards, it provides a thorough interpretation in visually appealing reports to the underwriting and risk assessment teams.
To empower lending intelligence beyond the credit bureau reports, the AI scorecard tool works on creating a detailed ML-based borrower health report. It includes repayment patterns, spending behavior, and other relevant metrics that help your underwriting team go deeper into the risk analysis of every borrower.
This is where an automation decision support for near-instant loan decisions happens. The AI-powered decision engine combines third-party data integrations, credit analysis tools, and transaction-level reporting to automate dial-ups. The decision engine can also be limited to providing instant suggestions to the underwriting teams based on your financial institution’s preset rules, configurations, and policies.
Can I try the features and AI capabilities of the Biz2X credit analysis software before investing in it?
Yes. Biz2X aims to empower Banks, Credit Unions, and other financial institutions to make better credit decisions and improve their ROI in the short and long term. To do that, we offer a free customizable demo of our credit analysis software to let your stakeholders objectively understand the benefits and ROI you can tap. To schedule a free demo, click here.
