TurnKey Lender Credit Scoring Software is an AI-driven solution designed to empower lenders with faster, more accurate loan decisions. This global platform automates critical lending processes, including loan origination, underwriting, servicing, debt collection, and reporting, for consumer, commercial, non-bank, and embedded finance providers. It leverages proprietary AI to ensure precise credit scoring and enhance loan collectability. The software efficiently processes both traditional and alternative data sources for comprehensive risk assessment, significantly boosting decisioning accuracy. Lenders gain control over a reliable digital credit decisioning process, supported by flexible decision rules and award-winning scoring technology. The system delivers instant, comprehensive scoring reports, enabling better decisions about potential borrowers based on accurate, aggregated data. For businesses handling large volumes, TurnKey Lender facilitates fully automated decisioning, allowing borrowers to receive funds within minutes via intuitive web portals or apps. It comes equipped with hundreds of pre-configured, sharp decision rules that analyze borrower data and behavior, adaptable to any specific decision logic. The platform is easy to implement, adapt, and use, offering tailored credit scoring for diverse business types, borrower segments, and global markets. By reducing costs and risks, TurnKey Lender helps lenders grow their loan portfolios, secure better loan terms, foster lasting borrower relationships, and scale their operations effectively.

Features & Benefits

• AI-Driven Credit Scoring
  • Leverages proprietary AI to ensure accurate credit scoring and increased loan collectability, efficiently handling both traditional and alternative data sources for comprehensive risk assessment.
• Automated Decisioning & Processing
  • Enables businesses to put decisioning on full autopilot, allowing borrowers to receive funds in minutes via an intuitive web portal or app. Loan auto-processing takes less than 1 second.
• Flexible & Sharp Decision Rules
  • Provides hundreds of pre-configured rules that analyze borrower data and behavior, adaptable to any specific decision logic, ensuring a reliable digital credit decisioning process.
• Instant & Comprehensive Scoring Reports
  • Offers immediate access to detailed scoring reports, empowering lenders to make better decisions about potential borrowers based on accurate, aggregated data.
• Tailored Scoring Models
  • Delivers accurate credit scoring customized for diverse business types, borrower segments, and global markets. The platform supports building new models from historical data and offers hundreds of developed scoring models.
• Reduced Risk and Costs
  • Achieves significant reductions in bad debt rates and increases in approval rates with lowered credit risk, while eliminating human error and enhancing agility and speed in the lending process.
  • 10% - 35% bad debt rate decrease
  • 5-12% more approvals with lowered credit risk
  • Approval rate increases by 10% - 25%
  • Eliminate human error in the entire lending process
  • The ever-needed edge in agility and speed
• Expert Model Development & Maintenance
  • Offers a structured approach to scoring model development and upkeep, backed by expert business analysts.
  • Feasibility study: Assessment of client’s data to build scoring models
  • Scoring model development: Build traditional and alternative scorecards and their combinations
  • Scoring model maintenance: Calibrations and adjustments