A major challenge for commercial lenders is making better and faster credit decisions that can positively impact their bottom-line profitability. Lenders either impose overly protective cut-off and approval thresholds or create time consuming manual review processes and rules. The key to conquering this challenge is implementing a predictive automated scoring model.

Product Sheet

Details

PayNet Construction Score incorporates proprietary data from the largest database of pure construction loans and leases in the U.S. It substantially outperforms scores not exclusively focused on the Construction industry. PayNet Construction Score uniquely models 25 crucial drivers that most impact payback performance into one highly predictive decisioning score. This is the score for the dedicated Construction lender.

 

Key Benefits

PayNet Construction Score is built from comparable term-loan data yielding superior predictive power and has the proven flexibility to be utilized as a Stand-Alone, Review-Rule, or even on a Blended-Score basis.

Solutions

The Challenge

Our Solution
  • Making credit-decisioning performance better and faster
  • State-of-the-art synthesis of information, analytics and lending expertise
  • Expediting credit decisioning and improving closing rates
  • Fuse industry expertise in Construction lending with empirical evidence
  • Reducing operating costs
  • Control personnel costs of specialized credit analysts
  • Managing loans through the cycle
  • Eliminate surprise credit losses