Business Lending

Streamlining and securing origination for small business, commercial, and real estate.

Meet the Lending Needs of Your Business Customers

Connects Lending enables lenders to originate, process, and close a full range of business loans.

Offer Credit to a Wide Range of Entity Types and Sizes

Connects provides lending options for sole proprietors as well as private and public entities. There are no limits on the loan amount or the size of the entity. The solution can handle loans that require multiple signers for borrowers, owners, and guarantors, and ensure all beneficial owner disclosures are met.

Workflow and In-Flight Deal Monitoring

Workflow management provides lenders with real-time views of loan applications in progress – no more relying on stale reports. Connects tracks the status of loan applications against SLAs, showing those at risk of hitting limits.

Let Automation Supercharge the Spreading

Connects analyzes key financial metrics, including essential line items on the balance sheet and income statement. The solution creates summary data such as tangible net worth, EBITDA, cash flow, and working capital. It calculates ratios for liquidity, coverage, operating expense to sales, and leverage.

Simplify Comparison Analysis

Key metrics align with the RMA line items and ratios, creating peer comparisons and benchmark analysis. They correlate with segment, industry, peer group, and geography published by the RMA Annual Statement Studies®. The data provides insight into balance sheet and income statement trends. This analysis helps the lender better understand its borrower’s business, strengths, and weaknesses, and make better decisions in less time.

Are You Ready to Step Up Your Business Lending?

Financial institutions gain a competitive advantage by lending with Connects.

Increase accuracy by using known data to prefill the application.
Provide flexibility for structuring loans for businesses with a range of collateral types.
Automate decisioning based on the bank’s policies, business rules, and credit risk models, identifying checklists and stipulations.

More measurable results

Alerts lenders to policy violations for process controls, compliance, and policy adherence.
Generate credit memos using commentary and the data captured, calculated, and associated with the borrower, collateral, and loan applications.
Automate workflows for financial and credit analysis, pricing, decisioning, and document generation.
Balance automation and staff usage for bank customers.
Accommodate sole proprietors as well as private and public entity types.
Calculate key financial metrics and ratios, including balance sheet and income statement key line items.
Provide numeric and graphic snapshots of key metrics and ratio trends.
Align key metrics with the RMA line items and ratios, generating peer comparisons and benchmark analysis.
Enable full-term life-of-loan management.
Trigger covenant and renewal notifications, delivering them to the business person or team for follow-up.
Improve management insight through drill-down and drill-through KPIs, reporting, and dashboards.
Monitor the entire loan process in real time.