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Small Business Credit Analytics

Smarter credit decisions for small business lending

Unlock deeper insights to assess business performance, manage risk and build stronger relationships

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75%

of small business owners say they are concerned about their ability to access capital[1]

86%

of US-based small businesses say ‘I am looking for faster and easier access to capital[2]

77%

of SMBs would share business performance data with financial institutions if it meant decreased reliance on credit scores for loans[3]

Powering decisions across the lending lifecycle

From verification to performance, gain insights that drive faster, smarter lending decisions.

Customer acquisition

Leverage insights to design targeted lending products that help SMEs improve cash flow.

Know your business

Verify if the business is active by checking for recent Mastercard transactions

Underwriting

Track weekly sales performance, and trend data including growth in spend per card, ticket size and chargebacks.

Business monitoring

Use performance data to monitor sales pattern shifts and drive dynamic line assignments and risk rating updates.

Make decisions based on real business performance

Retail sales analytics

A set of weekly metrics to assess small business health across sales, channels, loyalty, and risk.

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Retail sales benchmarks

Monthly benchmark insights that compare financial performance and growth outlook against competitive peers.

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Open finance solutions for small businesses

In the US, Mastercard’s open finance program integrates cash flow and risk insights, to give an enhanced view of SMB financial health.

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[1] Goldman Sachs
[2] Mastercard NAM Insights Open Banking Thought Leadership Report
[3] Mastercard Proprietary NAM Research