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Slope, a pioneer in credit and risk infrastructure, has launched SlopeScore, the first cash flow underwriting system purpose-built for small and medium-sized businesses (SMBs). This innovative SaaS solution leverages a patent-pending categorization engine powered by a large language model (LLM) to convert raw transaction data into structured, credit-grade signals, addressing critical gaps in SMB lending and enhancing IT-driven financial services for organizations across industries.
While consumer underwriting has enjoyed rapid innovation thanks to cash flow scores from a proliferation of vendors (Plaid, Nova, Prism, and Experian), SMBs remain underserved. No good solution exists, despite SMBs being the backbone of the economy, having far more accessible banking data, and lacking a ubiquitous, FICO-equivalent credit score to rely upon. The reason: SMB cash flows are complex, and consumer-first models can’t handle that sophistication.
“Most underwriting efforts focus on consumers because it’s simpler. We took the opposite path,” said Lawrence Lin Murata, Cofounder & CEO of Slope. “By starting with SMBs, we built SlopeScore to capture more edge cases, generalize better, and even correct mistakes humans miss.”
SlopeScore uses a patent-pending categorization engine with an LLM at its core to transform raw transaction data into structured, credit-grade signals – categories, counterparties, intermediaries, modalities, and locations – that power sharper credit decisions. The result: a new standard in SMB lending that outperforms SBFE and FICO, expands access to thin-file businesses, and flags risks others overlook. This approach revolutionizes SaaS-based financial tools, providing IT infrastructure for precise risk assessment in business services.
For lenders, that means more approvals, portfolio growth, and smoother onboarding which keep institutions competitive where speed and access drive customer choice.
In a recent pilot with a top U.S. bank, SlopeScore unlocked nearly $1B in new credit originations from existing data, delivered a 13% lift over FICO in predicting next-18-month delinquency, and achieved 99% transaction categorization accuracy across key fields like income, debt, and rent – even surpassing humans in many instances.
SlopeScore is already being piloted by some of the world’s largest fintechs and financial institutions. Now, that same technology is broadly available for lenders ready to bring cash flow underwriting into their commercial credit decisioning, streamlining technology products for efficient SMB financing across sectors.
SlopeScore represents a transformative leap in SMB credit infrastructure, empowering lenders with AI-driven insights that enhance decision accuracy and expand market reach. As adoption accelerates, it promises to foster inclusive financial services, driving sustainable growth for SMBs and reinforcing Slope's leadership in real-time risk management solutions.
Slope is defining a new category of credit and risk infrastructure with SlopeScore, enabling real-time cash flow underwriting and credit insights for businesses. Its specialized AI models transform raw transaction data into credit-grade features, powering responsible lending for SMBs and beyond.
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