Predictive Default & Delinquency Signals
Proactively identifying Early Indicators of Business Default and historical Unpaid Dues / Delinquency Data.
What is the Service?
This service is a forward-looking risk assessment tool. It combines advanced modeling techniques with public and proprietary data sources to generate scores based on subtle behavioral markers and verifiable delinquency events, providing a view of credit risk ahead of traditional reporting.
What does the Service provide?
- Probability of Default (PD): Modeled score at the company or account level, addressing the core PD requirement.
- Unpaid Dues / Delinquency Data: Historical records of accounts in arrears, verified via federal loan programs (e.g., SBA 7(a) “Charged Off” status).
- Early Behavioral Markers: Proprietary signals derived from rapid changes in legal standing, lending status, and payment behavior patterns.
Why use bizAPIs?
It allows financial institutions to anticipate risk. By leveraging alternative and early-stage indicators—especially important in the thin-file SMB sector—the service helps flag potential defaults well ahead of time, minimizing losses and improving capital efficiency.
Please contact us for more information.