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Small Business Credit Analytics

Improve small business performance evaluation with data-driven insights.

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Mastercard Small Business Credit Analytics (SBCA)

Mastercard Small Business Credit Analytics (SBCA) is an API that provides organizations enhanced insights into a small business’ health and retail sales across all stages of underwriting and performance monitoring. These data driven insights help organizations reduce underwriting time, better manage risk and improve relationships with their small business customers.

Power better business decisions

Harness the power of the Mastercard network

Call the API directly or go through one of our enabler partners to access metrics, with the consent of the small business. Data-driven insights are delivered near real-time based on anonymized and aggregated Mastercard transaction data to help power automated workflows and is refreshed weekly to give our partners up-to-date insights into small business sales performance.

Better manage risk

SBCA metrics can provide valuable performance metrics that help to evaluate key questions around small business performance. This helps our customers extend more loans and reduce loss ratios for all types of loans, including small business credit cards, term loans and merchant cash advance.

Improve relationships with customers

Use our data-driven insights, with the consent of a small business, beyond initial underwriting to personalize the small business’ experience by updating risk ratings, powering dynamic line assignment and providing additional financial services using our sales insights.

The lack of easy access to 360-degree insights prevents lenders from building a clear understanding of the cash flow and character of the small business

46%

of small business owners believe a lack of credit and loan history is a major problem when applying for a loan1

86%

of small businesses say they’re looking for faster and easier access to capital for their business.2

77%

of US-based small businesses would share business performance data with financial institutions if it meant they didn’t have to rely as much on credit scores for loans3

Related capabilities

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1. Source: Mastercard for Small Business – Quantitative Research Findings, 2022 ↩

2. Source: Mastercard NAM Insights Open Banking Thought Leadership, 2022 ↩

3. Source: Mastercard NAM Insights Open Banking Thought Leadership, 2022 ↩