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The Future of Small Business Lending

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Click here to watch a short 1-minute clip featuring Nancy Michael, Senior Director, Moody’s Analytics

moodysriskperspectiveIn a recent market research study focused on challenges of small business lending and credit risk assessment by banks, Moody’s Analytics concluded that emerging technology, innovative use of data, and expectations of an enhanced borrower experience will drive significant change in small business lending in the coming years.

The study was based on interviews with traditional lenders and emerging players in the financial technology (fintech) space on how they segment their business customers, the processes they use to evaluate credit worthiness of small businesses, and the challenges with these processes.Findings from the interviews were complemented by secondary industry research; insights from participation in banking, fintech, and small business events; and ongoing engagement with Moody’s Analytics customers.

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