Risk Modelling
PRISM Risk is used to give early indication of our credit appetite and pricing of a potential business loan. The model combines market and company financial data with proprietary non-financial data to provide a credit grade from 1 star (weak) to 5 stars (strong).
The model also provides a security grade for each loan taking into account balance sheet assets and certainty of future cashflows. Security grades range from 1 padlock (limited capital recovery) to 5 padlocks (significant capital recovery).
Propensity Modelling
Based on analysis of hundreds of thousands of businesses over 25 years PRISM Prospect identifies the likelihood of a business to have a funding need over the next 12 months. The model segments businesses into five propensity categories from very likely to unlikely. According to the model those businesses in the highest propensity category are more than four times as likely to have a funding need compared to the average.
We believe that using PRISM Risk and PRISM Prospect together gives us a market-leading view of a business from a data perspective. When combined with the personal service provided by our experienced credit and business development teams, PRISM allows us to create better, more bespoke, funding solutions for our borrowers.
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