The Evolution of Small Business Finance

Many small business creditors analyze the business owner’s consumer credit to assess business risk, and this is not optimal. A small business will use a variety of financing options over the course of its lifecycle, and as the business matures, it’s credit behavior can become uniquely its own, diverging from the business owner’s.

In this talk we share the results of a study of small business credit profiles, and how that transformation takes place.

Key Insights:

• How blended scoring models can be most beneficial.
• How small business credit behavior is closely tied to the business owner.
• How Experian blended scores provide insight to small business risk by considering both the business and personal credit information.