Loan Origination (B2B)
Credit Platforms B2B, Loan Applications
Last updated
Credit Platforms B2B, Loan Applications
Last updated
The loan origination process generally includes all the steps from collection all neccessary data during the application, taking a loan decision and to disburse the funds or declining the application.
As there are many different types of loans for B2B business, you are welcome to get in touch with us to discuss your individual needs.
Tink Germany helps you to digitalize your B2B loan origination process as well as to minimize the manual processes, e.g. by pulling business account statements automatically, by categorizing the business account statements, and by calculating customizable KPIs.
General information about the requested account (account balance, overdraft, etc.). The number of booking dates and bookings and also the average number of bookings per day serve as indicators to see if the account is active and consequently if a general view of the financial and actuarial situation is conveyed.
Payments to collection offices can be a negative indicator of the financial situation. However a minimum limit should be set, as a single payment over 30 EUR six months ago may not be a reason to categorically refuse the loan. The number of different collection offices (distinct_counter_holders), the amount, and the frequency give an insight of how severe the financial situation is.
Returned debit notes are also an indication of a negative financial situation. However, the amount and frequency should be considered before denying the loan.