Webinar | Closing the SMB Lending Gap with Better Data

The Small Business Data Ecosystem: Why More Signals Mean Better Lending

Learn how combining traditional credit data with cash-flow analytics can help lenders make more informed underwriting decisions, expand access to capital and manage risk with greater confidence. Register Now

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Overview

For decades, business credit reports and traditional scoring models have served as the foundation of small business underwriting. While these tools remain essential, many lenders continue to face a challenge: gaining a complete understanding of a borrower's financial health.

Today's lenders have access to a broader ecosystem of data, including cash-flow analytics and alternative financial signals, that can reveal insights traditional credit data may miss. When used together, these complementary data sources can provide a more accurate and actionable view of risk.

Join experts from Baker Hill and Lumos Data as they explore how lenders can create a more comprehensive underwriting strategy by blending proven credit models with real-time financial insights.

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Why Attend?

Small businesses remain a critical driver of economic growth, yet many qualified borrowers are overlooked because lenders lack visibility into their full financial story. This webinar will show how a multi-dimensional approach to underwriting can help institutions make better lending decisions, serve more businesses and create stronger portfolios.

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Leave Knowing

Understand the funding gap. Explore why many small businesses still struggle to secure financing despite demonstrating strong business performance.
Recognize the limits of traditional data. Learn what credit scores and bureau data do well—and where they may not provide the complete picture.
See the value of cash-flow analytics. Discover how analyzing revenue trends, transaction activity and cash-flow patterns can strengthen credit decisions.
Build a multi-dimensional underwriting approach. Learn how integrating traditional and alternative data sources can help increase lending opportunities while maintaining sound risk practices.

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READ OUR BLOG

The Small Business Data Ecosystem: Why More Signals Mean Better Lending

Small businesses are still harder to underwrite than they should be. Their financials are often a patchwork of QuickBooks exports, Excel spreadsheets and bank statements, and the owner's personal credit history frequently tells lenders more than the business itself does.

This post explores that gap between what lenders need to know and what they can actually see — and why it's what makes this industry so interesting to work in.

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