Loan Origination (B2B)

Credit Platforms B2B, Loan Applications

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.

Used platforms

Analytics Platform (XS2A.risk)

Used checks

account_status_check

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.

cashflow

The cashflow supplies an overview of the financial situation of the account holder on a monthly level.

risk_calculations_check

Risk_calculations_check can be configured as needed.

seizure_check

The seizure_check returns true if an indication to a seizure was found in either the account_type (e.g. P-Konto) or the transactions. It is advised to consider the maximum time available.

rating_b2b_check

The xs2a_rating_b2b_check gives an indication of the financial situation of the business. Business accounts are especially difficult to rate, as most businesses use more than one account. A rating is only possible if enough transactions are available and the majority of transactions are not transfers between own accounts.

Profit loss check

The profit and loss check calculates the expenses and revenues based on the maximum available full months. The balance sheet items that can derived from the digital account check are included in this check (e.g. turnover income, personnel expenses, tax expenses, etc.). Additionally, KPIs such as the cashflow-revenue-ratio, which is the generated cash flow in proportion to the sales volume, are calculated to give further insights into the financial standing of the business.

Negative Indicators

Payments to collection offices

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

Returned debit notes are also an indication of a negative financial situation. However, the amount and frequency should be considered before denying the loan.

Example configuration

JSON

{
  "language": "de",
  "xs2a_account_status_check": {
    "limit_turnover_days": "365"
  },
  "xs2a_risk_calculations_check": {
    "calculations": [
      {
        "categories": [
          "A.5.4"
        ],
        "functions": [
          "sum",
          "count",
          "distinct_counter_holders"
        ],
        "name": "collection offices",
        "days": "180",
        "children_categories": "1",
        "match_tags_with_categories": "0"
      },
      {
        "categories": [
          "E.3.4.9.1"
        ],
        "functions": [
          "sum",
          "count"
        ],
        "name": "returned debit notes",
        "days": "180"
      }
    ]
  },
  "xs2a_seizure_check": {
    "days": "365"
  },
  "xs2a_cashflow_overview": [],
  "xs2a_rating_b2b_check": {
    "days": "180"
  },
  "xs2a_profit_loss_check": {
    "days": "365"
  }
}