Build a Commercial Lending Platform
One credit API to build your entire commercial lending program.
Larger deal sizes, longer B2B sales cycles, and borrowers in higher-risk industries need more than a bureau score to underwrite well. CRS gives commercial lending platforms the full stack — blended business and personal credit, alternative data for thin-file accounts, identity and fraud checks, and a policy engine you configure yourself — behind one API, with FCRA/KYC compliance built in and most clients live in about two weeks, FCRA onboarding included.
- 01 · UnderwriteBlend business and personal credit into one decision.
- 02 · ScreenQualify the deal before you spend underwriter time.
- 03 · VerifyConfirm who — and what business — you're actually funding.
- 04 · MonitorCatch risk before it costs you.
- 05 · GrowTurn a funded deal into the next one.
Getting Started
A real enterprise go-live, not a sandbox key and a hope.
Compliance review is usually the longest pole in any enterprise integration — so it runs in parallel with engineering, not after it. Most clients are live in about two weeks, FCRA onboarding included.
01
Build and test in sandbox while compliance runs in parallel.
Engineering work is typically measured in days, not weeks — a live tri-merge pull, a blended FICO SBSS score, or a UCC filing search, running against your own test cases. FCRA and permissible-purpose review starts alongside it, not after.
02
Roll out in phases, not a single cutover.
An internal pilot, then a beta group, then a gradual ramp in traffic — so a policy or integration issue surfaces on a handful of applications, not your full pipeline. CRS is a registered CRA with a direct bureau relationship, so approval isn't a black box.
03
Add identity, fraud, and cross-sell whenever you're ready.
Same account, same API key. Layer in Identity Verification and fraud signals for onboarding, OffersIQ to qualify the next deal, and Batch Monitoring to watch the portfolio — no new contract, no new integration.
Underwriting Transparency
Build the approval matrix — don't inherit ours.
A risk policy for a $5M SBA 7(a) loan and a policy for a same-day MCA advance aren't the same policy. You set the rules; CRS returns the data and the score to run them against.
Hard stops
- Minimum credit score thresholds
- Maximum debt-to-income ratios
- Required time-in-business
- Disqualifying public records or open liens
Soft factors
- Adjust loan terms instead of triggering an outright decline
- Strong cash flow with limited credit history → smaller advance, shorter term
- Backtest logic against your own historical loan performance before it goes live
- Most lenders target 70–80% straight-through processing — automated decisions with no manual touch
| SBSS score | Suggested action |
|---|---|
| 200 and above | Auto-approve |
| 180 – 199 | Conditional approval |
| 155 – 179 | Manual review |
| Below 155 | Decline |
Every threshold above is yours to move. Changes take effect without a re-integration.
The Commercial Lending Stack
Built for the way commercial deals actually get underwritten.
Five moves, one API, sequenced the way a real commercial lending desk works — from SBA to MCA to bank and credit union business lending.
- UnderwriteBlend business and personal credit into one decision.
Pull business credit, the owner's personal credit, and a blended FICO SBSS score (0–300) in one call, then run it against the approval matrix you configured — not a policy CRS decided for you.
Explore Business Credit- ScreenQualify the deal before you spend underwriter time.
Soft pulls let you screen a merchant or borrower at volume without affecting their credit or your permissible-purpose posture — so OffersIQ and Pre-screen can confirm fit before a hard pull or a manual file review ever starts.
Explore Pre-Screen & OffersIQ- VerifyConfirm who — and what business — you're actually funding.
Identity Verification and KYC/KYB background checks confirm the applicant and the business behind them, while fraud signals — email reputation, device fingerprinting, behavioral patterns — catch synthetic and repeat-offender applications before they reach underwriting.
Explore Identity & Fraud- MonitorCatch risk before it costs you.
UCC and state filing checks surface liens, judgments, and signs of stacking on existing obligations, and Batch Monitoring tracks the portfolio for score and status changes — so you're managing risk continuously, not just at close.
Explore Batch Monitoring- GrowTurn a funded deal into the next one.
Run existing commercial customers through OffersIQ to see exactly what they qualify for next — a credit line increase, a second advance, a refinance — instead of guessing at who's ready to borrow again.
Explore OffersIQ
Beyond The Bureau
Underwrite the borrowers a bureau-only model can't see.
Thin-file merchants, young businesses, and higher-risk industries are exactly the accounts where a bureau score alone under-informs the decision. CRS blends bureau and non-bureau signals into the same call, rather than treating alternative data as a separate integration.
Connected cash flow
Bank transaction and payroll/platform deposit data shows real cash movement and repayment capacity, not just obligation history.
Marketplace & merchant data
Processing and marketplace activity fills the gap for merchants without a long banking or bureau history.
Utility & lease payments
Consistent non-bureau payment history builds a credit profile where formal financial statements are thin or missing.
Trade payment data
Supplier and tradeline history shows how a business actually pays, independent of its owner's personal credit.
Underwriting, screening, identity and fraud, monitoring, and cross-sell all live on one account. Run all five from day one, or start with one and add the rest as your program grows — same account, same API key, no re-integration.
Powering programs across
- SBA Lending
- Marketplace & Fintech
- MCA
- Equipment Financing
- Hard Money
- Bank & Credit Union
Why CRS
Cost stays predictable at volume
Bureau waterfalls, score-only responses, and caching cut avoidable calls by an estimated 40–70% — so cost per decision doesn't creep up as your loan volume climbs.
One integration, every vertical
SBA, MCA, equipment, hard money, and bank commercial lending all run on the same soft/hard pull, identity, and monitoring infrastructure — no separate vendor per product line.
A named team, not a support queue
Solutions engineers map your exact data architecture before launch, and stay on for the edge cases — the same team through sandbox, go-live, and every policy change after.
What The Data Shows
Documented benchmarks, not a promise.
CRS doesn't yet have a published commercial-lending case study to point you to — these are the operational benchmarks the underlying data and integration process actually support. Ask your solutions engineer for the specifics of a program like yours.
- 70–80%
- Straight-through processing rate lenders typically target once decision logic is tuned
- ~2 wks
- Typical time to go live, FCRA onboarding included
- 40–70%
- Reduction in avoidable bureau calls from caching and waterfall routing
- <2 sec
- Average response time on an MCA underwriting data pull
Fits Your Stack
Works with the LOS and CRM you already run.
- Encompass
- Byte
Trusted by Customers
Trusted by teams building commercial lending products.
Fast onboarding / easy integration
CRS was easy to use, with fast onboarding and integration completed in one day.
Verified User
Verified User in Financial Services
Organized insights / usability
Useful insights delivered through a systematic, well-organized experience.
Mohammed A.
Assistant Project Officer
Support + usability + flexible pricing
A seamless UI, accessible documentation, flexible pricing, and support that stays close.
Derrick S.
Licensed Real Estate Salesperson
Easy integration / partnership support
CRS was easy to integrate, with flexible communication and support that felt like a true partnership.
Theo T.
Small-Business (50 or fewer emp.)
Dependable operational support
Reliable, responsive service that removed friction during implementation.
Patricia G.
Founder/CEO
Smooth onboarding / human support
The product was easy to use, onboarding was smooth, and the team helped move from sandbox to production.
Giorgio M.
CTO & Co-Founder
Tailored founder implementation
CRS made credit pulls simple with tailored guidance for a non-technical founder.
Meg G.
CEO / Managing Partner
Our Partnership
Ship ambitious commercial lending products with credit data veterans.
We don't just hand you API docs and walk away. Think of us as your forward-deployed credit engineering team — sitting alongside you to clear bureau complexity, streamline compliance, and get your program to market fast.
- Compliance, Solved Together
Use case outside the bureau's standard box? We re-sequence compliance with you to get approved in days.
- Architecting Your Use Case
You bring the lending model; we design the data architecture. Our solutions engineers map the exact attributes to make it live.
- Trusted with the hard cases
When a lending model is too new or too niche for the bureaus' own teams, they send it to us. From complex attribute mappings to edge cases, we stay until you ship.
Your commercial lending program shouldn't need five vendors to run.
Underwrite, screen, verify, monitor, and grow — on one platform, with compliance built in from the start.