Build share without breaking your margins
Our unique approach to SME decisioning enables fast, fully-automated and multi-product loan origination, helping you expand into new segments, channels and products, without compromising on profits.
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Benefits
Expand your market
Get a true view of customer affordability, and offer a wide range of choices to maximise your addressable market.
Reduce origination costs
Provide a great offer experience, and reduce unnecessary data costs with smart decision model orchestration.
Unlock your ecosystem
Embed seamlessly into a wide range of channel partners using our API-native SME lending solution.
Customer-first, SME-specific profit-max’ing risk science
Using advanced data science, in-depth analysis and real-world lending experience Abel can quickly understand the true lending potential of any SME applicant and serve up an appropriate and profitable product for them.
Accurate decisioning on <2 years trading history
Context-rich decisions based on 400+ industry subsectors
Proven fully-automated process for £25-250k loan sizes
Multi-product recommendation engine
Capable of processing complex, multi-director applicants
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Offer quotes that convert, in under 50 seconds
Break borrower inertia by delivering fast and accurate quotes in whichever channel they engage in.
Accurate offers on only 5 data points
Quotes delivered in under 50 seconds
Lead-scoring engine keeps quote-offer conversion at 85%+
Data-lean decision cascade increases speed and reduces costs
Find customers that other lenders miss
Target underserved small businesses confidently and profitably using decision models purpose-built for the unique and diverse profile of the SME segment.
Forward-looking affordability models
Economic indicators from 400+ industry sub-sectors
200+ configurable eligibility criteria
Transaction analysis via Open Banking and statement OCR
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Customer-first, multi-product offers
Deliver customer-centric funding solutions, serving lending solutions based on need, not on product silo, and remaining compliant with consumer duty regulations.
Multi-product offers generated from a single application
Product appropriateness model identifies best product-borrower fit
Multi-product ‘fall-back’ offers held to maximise conversion
Full-featured automation, in every channel
Integrate with the full range of acquisition channels, partners and third-party providers to create a seamless origination experience in every channel.
API-first platform embeds into any channel
Origination features optimised for broker channel
Integrate with popular KYC/KYB, Digital Signature and LMS solutions
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Precise, instant changes to risk policy in no-code
Make precise, instant and constant changes to their risk policy without waiting on implementation by engineering, giving you complete control to adjust to market conditions as they change.
Make instant changes to 200+ risk parameters
Composable model can ingest new datasets and models in hours
Customise with your own pD and IFRS9 economic scenarios
Fully featured across the entire lending journey
Dynamic product selection
Provide multiple product offers throughout your application process, maximising eligibility.
Quick offers in under a minute
Provide customers with multi-product soft offers generated in 60 seconds on 5 data points.
Open Banking driven forecasting
Conduct forward-looking transaction analysis and monitoring via Open Banking connections
Cost-conscious decision making
Smart decision model sequencing optimises accuracy whilst minimising data costs.
Automated fast-track originations
Safely fast-track credit-worthy customers through the approval process.
Customer-level early-warning alerts
Vigilantly monitor customer credit health, enabling proactive customer support.
Behavioural PD analytics
Combine servicing, economic and bureau data to track customer default probability.
Sub-sector economic forecasting
Track economic indicators across 400+ sub-sectors to find unique lending opportunities.
Instant risk parameter adjustment
Execute instant changes to your risk policy with granular, no-code risk parameters.