Solutions / Business Loan
Underwrite SMEs on cash flow, not just collateral.
Small business owners rarely have the documentation a traditional business loan process asks for. Wealthstein scores the business owner's financial identity directly, so working-capital and asset-finance decisions don't stall on paperwork.
Use Cases
Where this shows up in practice.
Working capital lines
Score the owner's income stability and financial behavior to size a revolving line that matches real cash flow.
Equipment and asset finance
Higher-ticket business lending gets the full five-factor breakdown, including risk and fraud signals for larger exposure.
Cooperative and trade-group lending
Score members of a trade association or cooperative individually, even when the group itself has no formal credit history.
Now Piloting
Bring your own thin-file portfolio.
Score applicants a bureau can't reach. We're running a hands-on pilot with our next 20 lenders — bring a real batch of applicants, and we'll show you the scores against your outcomes before you commit anything.