OakNorth Credit Intelligence
A new paradigm that’s redefining commercial credit
Welcome to intelligent credit
Breaking with the past
Loan underwriting traditionally relies on a largely historical view, using relatively limited financial models to simulate cash flow and test the ability of the business to meet repayments. This is augmented by peer group analysis, comparing a prospective borrower with similar businesses to establish expectations for future performance. However, a bad experience with a particular sector could put the credit officer, relationship manager or indeed, the entire bank off the idea of ever lending to a similar business again. This limits opportunity and makes it hard to accurately assess and re-assess the loan book: an area that regulators are paying increasing attention to. Credit Intelligence is different.
The science of credit
Based on a deep, contextual insight specific to each borrower and their business, allowing you to lend to a much wider market with confidence and at lower risk. You gain a continuous underwriting view of your loan book, giving your people the right information exactly when they need it. You can make decisions up to ten times faster than with traditional lending models.
Born from a bank
Let's get ON with it
Request a demo
Join us for a personalized demo to gain a full understanding of our technology capabilities.
- What makes our technology different
- How rapidly you’ll see results
- Ease of installation and cost benefits
- Current customers and outcomes