Lendio Intelligent Lending resources

Solutions Briefs

Reduce customer acquisition costs

Regardless of loan size, financial institutions (FIs) have traditionally paid the same costs to target, qualify, and fund new customers. But now Lendio Intelligent Lending is enabling FIs to achieve this for far less—overcoming the traditional cost barriers to customer acquisition.

Increase lending staff capacity

Providing capital to SMBs has traditionally meant stretching lending resources thin. But with Lendio Intelligent Lending, lending teams can multiply the effectiveness of resources, supercharge loan volume, and accelerate the delivery of capital to SMBs.

Optimize customer experience and boost competitive advantage

As economic conditions and borrower needs evolve, financial institutions (FIs) are under pressure to deliver great experiences at scale to stay competitive. In response, Lendio Intelligent Lending intelligently enables financial institutions to optimize borrower experience, drive customer loyalty, and gain a competitive advantage.

Unlock new markets and revenue opportunities

Traditionally, slim margins have steered financial institutions (FI) away from serving SMBs. But now, Lendio Intelligent Lending is enabling FIs to launch new products and tap into new revenue streams in previously cost-prohibitive markets.

Data Sheets

Generating ROI in SMB lending

Six hundred community banks funded $72B of small and medium business (SMB) loans in the fourth quarter of 2021 alone. Many more banks are struggling to fully tap into this market where demand for capital remains strong. However, with the right technology, financial institutions (FIs) can supercharge
their SMB business and drive profitable growth.

Move faster with instant offers

When it comes to accessing capital, small and medium businesses (SMBs) want and need the funds fast. To capture the business, lenders must deploy automation tools that
enable rapid response and accelerate offer generation and


The Next Step for Automation in Banking

While banks have been rushing to keep up with the digital revolution, another chasm has been building in the background for the past 30 years. The decline of community banks has created a lending gap among SMBs. The key for banks to capitalize on this opportunity is automation.

Automated Underwriting for SMB Lenders

Traditionally, the loan underwriting process has been slow and clunky with multiple data sources and lots of paperwork to sort through. Lately, more and more lenders have adopted automated underwriting systems. Automated underwriting can be equally beneficial for SMB lenders.

Few, if any, would argue with the statement, “Customer experience matters.” Banks with great customer experiences have customers who are 1.9x more willing to recommend their services. Banks looking for a competitive advantage should consider the following five trends.

How Technology is Finally Leveling Up Risk Management at Banks

One could argue the entire underwriting process is about evaluating risk. Yet, manual underwriting processes make it expensive to evaluate a borrower. Technology presents new opportunities for banks to efficiently mitigate risk across three crucial areas: credit risk, financial crimes, and regulatory compliance.

How Control and Innovation Can Coexist in Bank Fintech Partnerships

As banks increasingly partner with fintech companies to expand their customer bases and sources of revenue, regulatory scrutiny has grown, challenging banks to balance the need for innovation with stringent regulatory requirements. Smart systems can help banks benefit from Fintech innovation while still giving the bank full oversight.

Section 1071: Breaking Down a Key Moment for FI’s and Fintech Lenders

Section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Section 1071) would be easy to see as yet another time-consuming compliance project. Smart institutions will see it as a moment to embrace the possibilities of data and technology.

Profitable SMB Lending is Key to Maintaining the Depositor Relationship

With the right strategies in place, banks can turn SMB lending into a new profit center while maintaining wallet share on third-party lenders.