Biz2X - Complete Company Profile

Biz2X is a Finance company. Biz2X is a premier business lending platform that facilitates growth for financial institutions by enhancing loan origination and management processes. It provides lenders with a cloud-based solution that integrates AI-driven decisioning, advanced credit analytics, and automation, tailored to each lender’s specific credit policies. With a focus on delivering an exceptional digital experience for borrowers, Biz2X supports a range of lenders in achieving operational efficiency and cost reduction. Recognized for its innovative approach, Biz2X is trusted by leading brands in the financial sector. Biz2X offers 6 products: Applications Suite, Decisioning & Risk Automation, Digital Loan Origination, Biz2X Platform, Portfolio Monitoring, Embedded Finance.

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Biz2X

Biz2X is a turnkey global SaaS platform that enables financial institutions to provide a customized online lending experience for their small and midsize business customers.

Biz2X is a premier business lending platform that facilitates growth for financial institutions by enhancing loan origination and management processes. It provides lenders with a cloud-based solution that integrates AI-driven decisioning, advanced credit analytics, and automation, tailored to each lender’s specific credit policies. With a focus on delivering an exceptional digital experience for borrowers, Biz2X supports a range of lenders in achieving operational efficiency and cost reduction. Recognized for its innovative approach, Biz2X is trusted by leading brands in the financial sector.

"Successful Business Lending Starts Here"

biz2x.com

About Biz2X

Biz2X is a Finance company serving global markets. Biz2X is a premier business lending platform that facilitates growth for financial institutions by enhancing loan origination and management processes. It provides lenders with a cloud-based solution that integrates AI-driven decisioning, advanced credit analytics, and automation, tailored to each lender’s specific credit policies. With a focus on delivering an exceptional digital experience for borrowers, Biz2X supports a range of lenders in achieving operational efficiency and cost reduction. Recognized for its innovative approach, Biz2X is trusted by leading brands in the financial sector.

Company Details

Niche

Finance

What Biz2X Offers

6 products and services

Applications Suite

Biz2X Applications Suite is a turnkey global SaaS platform that enables financial institutions to run their entire business lending operation...

Business Account Opening: Digital application, automated ID verification, compliance questionnaire, e-sign, banker dashboard, data transfer to core system
Business Term Loans: Configurable pricing, credit decision parameters, amortization schedules, digital underwriting, fixed/floating rates, automated/manual decisioning, KYC documentation

Decisioning & Risk Automation

Biz2X Decisioning & Risk Automation is an advanced credit analysis and risk management software platform for banks and credit unions....

Bank Statement Analyzer: Automates cash flow analysis, supports multiple document types, provides detailed trend reports, and enables transaction-level analysis.
BA Scorecard: ML-based borrower health report including repayment patterns, spending behavior, and other risk metrics.

Digital Loan Origination

Biz2X Digital Loan Origination is an AI-powered, customizable loan origination software solution designed to streamline and automate the lending process...

AI-powered, configurable workflows for loan origination
Live borrower notifications and digital lending platform

Biz2X Platform

Biz2X Platform is an AI-powered, customizable loan origination software solution designed to streamline and automate the lending process for financial...

AI-powered, configurable loan origination workflows
Automated approval processes

Portfolio Monitoring

Biz2X PortfolioDNA™ is a cloud-based loan portfolio management solution for banks and credit unions, delivering real-time insights into borrower performance...

Real-time insights into borrower performance and portfolio health
Comprehensive dashboard with risk segmentation (at-risk, moderate risk, healthy, renewal)

Embedded Finance

Biz2X Embedded Finance enables businesses to offer convenient access to financing directly from their own platforms, leveraging Biz2X and Biz2Credit's...

No-code pilot: launch in days
API with webhooks for integration

Company Information

Enriched company details and information

Successful Business Lending Starts Here

Description

Biz2X is a turnkey global SaaS platform that enables financial institutions to provide a customized online lending experience for their small and midsize business customers.

What They Do

Provide a digital lending platform for banks and financial institutions to enhance their business lending processes.

Who They Serve

Banks and financial institutions serving small and midsize businesses.

Key Value Propositions

Reduction in decisioning times
Increased loan portfolio growth
Advanced risk control

Target Customers

Banks
Credit Unions
Financial Institutions

Industries Served

Financial Services
Banking
Fintech

Contact Information

info@biz2x.com

API Information

API Summary

No API information available.

API Available
No

Customer Logos

Bay First

Bay First

Key Bank

Key Bank

Owners Bank

Owners Bank

Tab Bank

Tab Bank

Homepage Full Text

Biz2X is a platform chosen for business lending at banks and financial institutions around the world. Lenders choose our platform because they want to transform their lending practices digitally. We make this possible through best-in-class technology. Our approach is different because we know business lending. Biz2X is built on the insights and expertise that came from a decade-plus of Biz2Credit’s lending experience. That’s why the platform works so well for lenders of all sizes, whether they’re digital lending experts or just starting their online lending journey.

Case Studies

Bayfirst Boosts SBA Program Expansion with Biz2X Platform

Customer: Bayfirst

The Biz2X platform allowed us to become more tech-forward with automation. Reducing clicks and keystrokes was a huge benefit, and we've been able to process loans faster.

View Case Study
HSBC Serves Canadian Small Businesses with Biz2X

Customer: HSBC

Biz2Credit brought the capabilities, the platform, the experience as a leadership team, and was able to understand what we needed to serve the small business space.

View Case Study
AFG Revolutionizes Australian Business Lending with Biz2X Platform

Customer: Australian Finance Group

Working with Biz2Credit has been one of collaboration, understanding, and commitment. It’s been a fantastic journey and I would highly recommend entering into a relationship with them.

View Case Study
Popular Bank Automates Lending Decisions with Biz2X

Customer: Popular Bank

It’s a streamlined process, where the customers can actually go online and upload documents, complete the information. The system is intelligent.

View Case Study

Testimonials

"The Biz2X platform allowed us to become more tech-forward with automation. Reducing clicks and keystrokes was a huge benefit, and we've been able to process loans faster."

Kiril Dimov - Director of the small business loan program

"Biz2Credit brought the capabilities, the platform, the experience as a leadership team, and was able to understand what we needed to serve the small business space."

Jeff Brown - Head of Business Banking

"Working with Biz2Credit has been one of collaboration, understanding, and commitment. It’s been a fantastic journey and I would highly recommend entering into a relationship with them."

Malcom Watkins - Executive Director

"It’s a streamlined process, where the customers can actually go online and upload documents, complete the information. The system is intelligent."

Manuel Chinea - COO

Products & Offerings

Detailed information about Biz2X's products and services. Each offering is enriched with AI-powered insights to help you understand capabilities, features, and use cases.

Applications Suite

Biz2X Applications Suite allows financial institutions to provide a customized online lending experience for their small and midsize business customers. It offers configurable lending workflows and supports numerous financial products, enabling seamless onboarding, underwriting, and portfolio management.

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Product Overview

Biz2X Applications Suite is a turnkey global SaaS platform that enables financial institutions to run their entire business lending operation from one platform. It supports a wide range of credit and business banking solutions with configurable modules for each kind of financing offered to business clients. The platform provides a modern omni-channel experience and best-in-class risk tools for banks and financial institutions to power growth and streamline business lending.

Detailed Description

Biz2X Applications Suite allows financial institutions to provide a customized online lending experience for their small and midsize business customers. It offers configurable lending workflows and supports numerous financial products, enabling seamless onboarding, underwriting, and portfolio management.

Key Features

  • Business Account Opening: Digital application, automated ID verification, compliance questionnaire, e-sign, banker dashboard, data transfer to core system
  • Business Term Loans: Configurable pricing, credit decision parameters, amortization schedules, digital underwriting, fixed/floating rates, automated/manual decisioning, KYC documentation
  • SBA Loans: Direct integration to SBA systems (E-Tran, Colson), e-signature workflows, support for SBA 7(a), 7(a) Express, 504, and Microloan programs
  • Lines of Credit: Configurable thresholds, repayment schedules, automated/manual underwriting, line maintenance criteria
  • Business Credit Cards: Digital card issuance, prequalification, revolving credit lines, secured/unsecured options, cash advance configurations
  • Trade Finance: Invoice-secured financing, AR/inventory-backed loans, cash flow insights from transactional accounts, automated prequalification
  • Commercial Real Estate Loans: Digital property information capture, digital site visits, refinancing options
  • Portfolio DNA: Automation/rules engine, risk indicator identification, loan-level performance analytics

Key Benefits

  • Run entire business lending operations from a single platform
  • Configurable modules for various business finance products
  • Digital onboarding and application workflows
  • Automated ID verification and compliance checks
  • Direct integration with government and core banking systems
  • Automated and manual underwriting options
  • Portfolio monitoring and risk analytics
  • Omni-channel experience for clients and bankers
How It Works
1.Financial institutions configure modules for the business finance products they offer.
2.Clients can apply digitally for products such as loans, credit cards, and account opening.
3.Automated workflows handle ID verification, compliance, and underwriting.
4.Direct integrations with core banking and government systems streamline data transfer and processing.
5.Portfolio DNA provides ongoing monitoring and analytics for risk and performance.
Documentation
View Documentation
Who Is It For
  • Banks
  • Financial institutions
  • Lenders serving small and midsize business customers
  • Business banking teams
Detailed Sections
Run Your Entire Business Lending Operation From One Platform

Biz2X supports a wide range of credit and business banking solutions. The Platform has configurable modules for each kind of financing your institution offers to business clients.

Request a demo
Business Finance Use Cases

Biz2X supports a configurable lending workflow and numerous financial products for business lending.

  • Business Account Opening: Digital onboarding, ID verification, compliance, e-sign, banker dashboard, core system integration
  • Business Term Loans: Configurable pricing, decisioning, amortization, digital underwriting, fixed/floating rates, KYC
  • SBA Loans: Direct SBA integration, e-signature, supports 7(a), 7(a) Express, 504, Microloan
  • Lines of Credit: Configurable thresholds, repayment, automated/manual underwriting, maintenance criteria
  • Business Credit Cards: Digital issuance, prequalification, revolving/secured/unsecured, cash advance options
  • Trade Finance: Invoice/AR/inventory-secured, cash flow insights, automated prequalification
  • Commercial Real Estate Loans: Digital property capture, site visits, refinancing options
  • Portfolio DNA: Automation/rules engine, risk indicators, loan-level analytics
Lending technology created by the premier online business lender

Biz2X is the leading digital lending platform, enabling financial providers to power growth with a modern omni-channel experience and best-in-class risk tools.

Request a demoLearn about the platform
Read our case studies

Discover why so many banks and financial institutions have made the move to Biz2X.

  • TAB Bank partners with Biz2X for streamlined lending and driving growth
  • Owners Bank Chooses Biz2X for Streamlined Small Business Funding
  • Newity selects Biz2X for streamlined SBA Loan workflows
  • Ocean First Bank drives automation and efficiency with Biz2X’s decisioning engine
  • First Savings Bank chooses Biz2X for their leading digital SBA lending program
  • BayFirst Boosts SBA Program Expansion with Biz2X Platform
  • HSBC serves Canadian small businesses with Biz2X
  • AFG revolutionizes Australian business lending with Biz2X Platform
  • Tata Capital expands SME access to credit in India using the Biz2X Platform
View All customer stories
Get a demo: See Biz2X in action

Connect with a funding platform specialist for a customized demo of Biz2X for your bank or financial institution.

Request a demoRead Platform Overview

Decisioning & Risk Automation

Biz2X Decisioning & Risk Automation provides a suite of credit analysis tools, including proprietary cash flow monitoring, transaction-level analysis, and AI-powered decision engines. The platform automates and streamlines the lending decision process, reduces risk, and ensures compliance with regulatory standards.

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Product Overview

Biz2X Decisioning & Risk Automation is an advanced credit analysis and risk management software platform for banks and credit unions. It empowers credit risk teams with intelligence and financial insights to make faster, more reliable, and compliant lending decisions through automation, AI, and configurable workflows.

Detailed Description

Biz2X Decisioning & Risk Automation provides a suite of credit analysis tools, including proprietary cash flow monitoring, transaction-level analysis, and AI-powered decision engines. The platform automates and streamlines the lending decision process, reduces risk, and ensures compliance with regulatory standards.

Key Features

  • Bank Statement Analyzer: Automates cash flow analysis, supports multiple document types, provides detailed trend reports, and enables transaction-level analysis.
  • BA Scorecard: ML-based borrower health report including repayment patterns, spending behavior, and other risk metrics.
  • Decision Engine: AI-powered, configurable rules engine for automated or recommendation-based lending decisions.
  • Configurable Workflows and Policies: Tailor automation and decisioning to institutional needs.
  • Role-based Access: Customize data access and platform features by user role.
  • Third-party Data Integrations: Credit bureaus, fraud checks, UCC filings, and more.
  • Real-time Dashboards: All business lending metrics in one view.
  • Automated Logging: Full audit trail of decisions from application to approval.
  • Regulatory Compliance Automation: Automated updates to stay compliant with latest frameworks.
  • Customizable Branding: Platform can be tailored to match institutional branding.

Key Benefits

  • Faster, more reliable lending decisions
  • Automated cash flow and credit analysis
  • Reduced risk and lower default rates
  • Enhanced compliance and auditability
  • Customizable workflows and policies
  • Seamless integration with existing systems
  • Improved portfolio growth and risk control
  • Reduction in manual errors and bias
Use Cases
  • Automated business loan origination and underwriting
  • Real-time risk assessment and monitoring
  • Portfolio risk management and reporting
  • Regulatory compliance and audit preparation
  • Cross-selling opportunities identification
How It Works
1.Automated data collection from multiple sources (documents, credit bureaus, third parties)
2.Real-time cash flow and transaction-level analysis
3.AI/ML-driven scorecards and borrower health reports
4.Configurable decision engine applies institution-specific rules
5.Automated or recommendation-based decisioning
6.Comprehensive dashboards and reporting
7.Automated compliance logging and updates
Documentation
View Documentation
Who Is It For
  • Banks
  • Credit Unions
  • Other financial institutions focused on business lending
Requirements
  • Integration with existing bank/credit union systems (supported by Biz2X team)
  • Configuration of rules, workflows, and branding to institutional needs
Detailed Sections
Advanced Credit Analysis Software for Superior Lending Decisions

Biz2X credit decisioning and risk management software empowers credit risk teams with intelligence and financial insights to make faster and more reliable lending decisions.

Request Demo
Advanced Credit & Risk Analytics Tools Makes Business Lending Stress-Free

Suite of credit analysis tools including proprietary cash flow monitoring and transaction-level analysis. Features include Bank Statement Analyzer, BA Scorecard, Decision Engine, and Configurable Workflows and Policies.

  • Automated cash flow analysis
  • Supports multiple document types
  • Detailed trend and transaction-level reports
  • Configurable credit scorecards and BA score technology
  • Machine learning techniques for borrower health and recommendations
  • Configurable rules engine for automated decisions
See Every Business Lending Metric On One Easy-To-Understand Dashboard

All business lending metrics and risk patterns are visible in a single dashboard, enhancing confidence and transparency.

  • Faster decisions with automated cash flow analysis
  • Format flexibility with multiple document types
  • Reduce risk with detailed analysis and trend reports
  • 20 million worth transactions processed
  • 25 minutes saved per loan
Unlock Near-Instant Decisioning with Biz2X's Credit Analysis Software

Proven track record of helping global banks and credit unions enhance their credit processes.

  • 40% faster credit decisions
  • 2X loan portfolio growth
  • ~10% lower default rates
Biz2X Loan Decisioning Software Effortlessly Meets Demanding Performance Goals

AI-powered insights, automated data collection, and report generation for faster, more accurate decisions. Smart algorithms for early risk identification and compliance automation.

  • Process more loan applications
  • Reduced risk exposure
  • Enhance compliance with automated logging and updates
  • Make faster decisions with predefined rejection rules
Biz2X Credit Analysis Software - Proven for Intelligent Lending Decisions

Case study: UMB bank transforms commercial lending with Biz2X Decision engine, increasing loan processing rates and reducing decision time to 15 days.

Read the full story
Frequently Asked Questions

Common questions about Biz2X Decisioning & Risk Automation, including implementation, customization, compliance, and AI capabilities.

  • Why do I need credit analysis software?
  • Why should I consider Biz2X if I use separate risk management technologies?
  • How quickly can Biz2X's credit risk software be implemented?
  • Can I customize the Biz2X platform?
  • What improvements can I expect?
  • How does Biz2X ensure compliance?
  • What are the AI-powered capabilities?
  • Can I try Biz2X before investing?
Request Demo

Digital Loan Origination

Biz2X Digital Loan Origination Software simplifies the underwriting and approval process with an all-in-one lending platform. It leverages AI-driven insights, flexible decision rules, and smart integrations to process business and small business loans with speed and precision. The platform is trusted by over 30 leading financial institutions globally.

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Product Overview

Biz2X Digital Loan Origination is an AI-powered, customizable loan origination software solution designed to streamline and automate the lending process for financial institutions. It offers configurable workflows, smart integrations, and advanced analytics to accelerate loan origination, improve decision-making, and enhance borrower experience.

Detailed Description

Biz2X Digital Loan Origination Software simplifies the underwriting and approval process with an all-in-one lending platform. It leverages AI-driven insights, flexible decision rules, and smart integrations to process business and small business loans with speed and precision. The platform is trusted by over 30 leading financial institutions globally.

Key Features

  • AI-powered, configurable workflows for loan origination
  • Live borrower notifications and digital lending platform
  • Flexible workflows to match internal credit decision policies
  • Risk analytics and complete risk compliance monitoring
  • Data integrations with credit bureaus, KYC providers, and CRM systems
  • Banker’s Acceptance score, bank statement analysis, and tax spreading
  • Rule-based decisioning automates workflow based on predefined rules
  • Centralized dashboard for underwriting, communication, and financial analysis
  • Automated, digitized, and secure document management
  • Omni-channel lending platform with responsive design
  • Smart portal for borrower engagement and transparency
  • Cloud-based services and third-party API integrations
  • Customizable modules for multilingual and rural lending enablement
  • E-signature support and document upload for borrowers

Key Benefits

  • Streamlines and automates the lending process
  • Accelerates loan origination and approval
  • Enhances operational efficiency and reduces manual work
  • Improves borrower experience with digital, omni-channel access
  • Provides advanced risk analytics and compliance monitoring
  • Configurable to match internal credit policies and branding
  • Scalable to accommodate increased loan demand or market changes
  • Releases updates automatically to address regulatory changes
How It Works
1.Step 1: Borrowers submit a quick online application on the loan origination platform.
2.Step 2: Use the marketplace pricing engine or deal room to get price options (ideal for brokers).
3.Step 3: Borrowers sign term sheets through e-signatures and upload required documents.
4.Step 4: Loan file is prepared for funding or can be shared with third-party lenders or investors.
Documentation
View Documentation
Who Is It For
  • Banks
  • Non-Banking Financial Companies (NBFCs)
  • Fintech companies
  • Credit Unions
  • Rural lenders
Detailed Sections
AI-Powered Customizable Loan Origination Software Solutions

Streamline your lending process with our user-friendly, AI-powered, configurable loan origination software. Automated workflows for the approval process enhance efficiency, accelerate loan origination, and simplify it.

  • Trusted by over 30 leading financial institutions globally
Modern Loan Origination, Simplified

Biz2X Loan Origination Software simplifies the complicated underwriting and approval process with an all-in-one lending software. Our smart integrations, AI-driven insights, and flexible decision rules allow financial institutions to process business needs and small business loans with speed and precision.

  • Live borrower notifications and an entirely digital lending platform
  • Flexible workflows to match your internal credit decision policy
  • Risk analytics and complete risk compliance monitoring
  • State-of-the-art data integrations with credit bureaus, KYC providers, and CRM systems
  • Banker’s Acceptance score, bank statement analysis, and tax spreading
  • Rule based decisioning: Automates the decisioning and workflow based on predefined rules and conditions
Working of Our LOS

Step-by-step process for loan origination using Biz2X LOS.

  • Step 1: Borrowers submit a quick online application
  • Step 2: Use marketplace pricing engine or deal room for price options
  • Step 3: Borrowers sign term sheets via e-signature and upload documents
  • Step 4: Loan file is prepared for funding or shared with third-party lenders/investors
Features of the Powerful workflows that accelerate your loan origination process

Biz2X Loan Origination Software improves origination management, servicing, and risk analytics in a fully customizable customer journey. This digital banking solution uses powerful AI-driven tools and automation to help financial institutions process loans efficiently and quickly – while reducing risk.

  • Transform the borrower experience with automation
  • One dashboard for all lending operations
  • AI-powered loan origination with smarter decisioning
  • Fintech-ready integrations and connectivity
Why Global Lenders Choose Biz2X Loan Origination Software
  • Automates tedious workflows while providing timely data insights
  • Easily configures to mirror your organization's credit policies and branding
  • Remains at the forefront of security and compliance
  • Releases updates automatically to address changes in lending regulations
  • Instantly scales to accommodate increased loan demand or market change
Streamline Business Lending with the Best-in-Class Cloud-First LOS

Biz2X’s digital loan origination solutions for loan origination software offer the flexibility and intelligence that today’s lenders require to succeed.

  • 40% Faster Decision Time
  • 2X Loan Portfolio Growth
  • ~10% Secure yourself with advanced risk control
Get Started
Frequently Asked Questions
  • Can the Biz2X loan origination system help improve client retention?
  • What types of loans can Biz2x’s LOS handle?
  • How does Biz2x’s LOS streamline document management?
  • How quickly can Biz2X’s loan origination software be implemented?
  • How customizable is the Biz2X LOS?

Biz2X Platform

Biz2X is a turnkey global SaaS platform that enables financial institutions to provide a customized online lending experience for their small and midsize business customers. The platform simplifies underwriting and approval processes with an all-in-one lending software, leveraging AI-driven insights, flexible decision rules, and smart integrations.

Added

Product Overview

Biz2X Platform is an AI-powered, customizable loan origination software solution designed to streamline and automate the lending process for financial institutions. It offers configurable workflows, smart integrations, and advanced analytics to accelerate loan origination, improve decision-making, and enhance borrower experience.

Detailed Description

Biz2X is a turnkey global SaaS platform that enables financial institutions to provide a customized online lending experience for their small and midsize business customers. The platform simplifies underwriting and approval processes with an all-in-one lending software, leveraging AI-driven insights, flexible decision rules, and smart integrations.

Key Features

  • AI-powered, configurable loan origination workflows
  • Automated approval processes
  • Live borrower notifications and digital lending platform
  • Flexible workflows to match internal credit decision policies
  • Risk analytics and complete risk compliance monitoring
  • Data integrations with credit bureaus, KYC providers, and CRM systems
  • Banker’s Acceptance score, bank statement analysis, and tax spreading
  • Rule-based decisioning and workflow automation
  • Centralized dashboard for underwriting, communication, and financial analysis
  • Smart portal for borrower engagement and transparency
  • Real-time insights and third-party data integrations
  • Customizable decision rules and limits
  • Cloud-based services and third-party API connectivity
  • Secure, centralized document management and e-signatures
  • Support for compliance, auditability, and predictability

Key Benefits

  • Streamlines and automates the lending process
  • Accelerates loan origination and approval
  • Enhances operational efficiency and reduces manual work
  • Improves client retention with personalized communication
  • Reduces risk with advanced analytics and compliance monitoring
  • Scales instantly to accommodate increased loan demand or market changes
  • Releases updates automatically to address changes in lending regulations
  • Improves borrower experience with omni-channel, digital workflows
How It Works
1.Step 1: Borrowers submit a quick online application on the loan origination platform.
2.Step 2: Use the marketplace pricing engine or deal room to get price options (ideal for brokers).
3.Step 3: Borrowers sign term sheets through e-signatures and upload required documents.
4.Step 4: Loan file is prepared for funding or can be shared with third-party lenders or investors.
Documentation
View Documentation
Who Is It For
  • Banks
  • Non-Banking Financial Companies (NBFCs)
  • Fintech companies
  • Credit unions
  • Rural lenders
  • Financial institutions serving small and midsize business customers

Portfolio Monitoring

Portfolio Monitoring, powered by Biz2X PortfolioDNA™, provides financial institutions with advanced tools to monitor, predict, and protect against risk in their loan portfolios. The solution synthesizes real-time data from multiple sources, enabling proactive risk management and compliance tracking.

Added

Product Overview

Biz2X PortfolioDNA™ is a cloud-based loan portfolio management solution for banks and credit unions, delivering real-time insights into borrower performance and portfolio health to reduce default risk and enable faster responses to economic shifts.

Detailed Description

Portfolio Monitoring, powered by Biz2X PortfolioDNA™, provides financial institutions with advanced tools to monitor, predict, and protect against risk in their loan portfolios. The solution synthesizes real-time data from multiple sources, enabling proactive risk management and compliance tracking.

Key Features

  • Real-time insights into borrower performance and portfolio health
  • Comprehensive dashboard with risk segmentation (at-risk, moderate risk, healthy, renewal)
  • Covenant and compliance tracking with automated alerts
  • Borrower behavior and market validation (reputation, industry/geography/product risk concentration)
  • Automated risk monitoring and analysis
  • Flexible and scalable microservice architecture
  • Real-time data feeds: open banking, credit, tax, repayment, reputational data
  • Proprietary BA Score with cash flow-based models across credit cycles
  • Fully configurable platform
  • Cloud-ready deployment
  • Portfolio analytics for exposure and concentration across sectors, loan types, and geographies
  • Risk monitoring and alerts with comprehensive health scores
  • Predictive metric (PMvD) for borrower reliability, repayment patterns, and financial stability

Key Benefits

  • Reduces default risk by providing early warning signals
  • Enables proactive risk management and faster response to economic changes
  • Improves loan outcomes and management across the portfolio
  • Supports regulatory compliance (e.g., Dodd-Frank Act, Basel III)
  • Enhances decision-making with predictive analytics and real-time data
Documentation
View Documentation
Who Is It For
  • Banks
  • Credit unions
  • Financial institutions managing business loan portfolios
Detailed Sections
Monitor, Predict and Protect risk with Biz2X PortfolioDNA™

Biz2X PortfolioDNA™ provides banks and credit unions with a cloud-based loan portfolio management solution that delivers real-time insights into borrower performance and portfolio health to reduce default risk and respond faster to economic shifts.

Request Demo
Improve loan outcomes and management across your loan portfolio.

Unlock actionable insights from your loan portfolio with advanced management, anticipate potential defaulters, and take proactive steps to manage risk. PMvD metric offers predictive insights on borrower reliability, repayment patterns, and financial stability.

  • Comprehensive dashboard and risk segmentation
  • Covenant & compliance tracking
  • Borrower behaviour & market validation
Risk Intelligence with PortfolioDNA™

PortfolioDNA™ extends your Biz2X lending platform with powerful loan portfolio management tools.

  • Automated risk monitoring & analysis
  • Flexible and scalable microservice architecture
  • Real-time data feeds: open banking data, credit and tax data, repayment and reputational data
  • Proprietary BA Score with cash flow-based models across credit cycles
  • Fully configurable platform
  • Cloud-ready scalability & deployment
360° Risk View : Powered by Intelligent Data Engines

Biz2X loan portfolio monitoring solution for business loan portfolios, continuously synthesizes data streams from multiple sources to detect early warning signs before they become credit issues.

  • Loan repayment behavior tracking
  • Risk monitoring and alerts
  • Portfolio analytics for exposure and concentration
Don’t Just React to Risk-Predict It

Biz2X loan portfolio monitoring solution, powered by intelligent data engines, helps institutions detect trouble before it impacts the bottom line. With PortfolioDNA™, transform how you approach loan portfolio management—from tracking and compliance to strategic decision-making.

Speak to our expert

Embedded Finance

Biz2X Embedded Finance is a turnkey solution that allows businesses to embed digital lending and financing options into their own platforms. It offers a no-code or low-code integration, configurable financing products, and a partner portal for reporting. The solution is designed to simplify the lending process for end users and partners, providing pre-qualified offers, automated funding, and streamlined application experiences.

Added

Product Overview

Biz2X Embedded Finance enables businesses to offer convenient access to financing directly from their own platforms, leveraging Biz2X and Biz2Credit's embedded finance solutions. The platform provides digital lending capabilities, allowing partners to increase user engagement, drive loyalty, and unlock new revenue streams through seamless, automated funding processes.

Detailed Description

Biz2X Embedded Finance is a turnkey solution that allows businesses to embed digital lending and financing options into their own platforms. It offers a no-code or low-code integration, configurable financing products, and a partner portal for reporting. The solution is designed to simplify the lending process for end users and partners, providing pre-qualified offers, automated funding, and streamlined application experiences.

Key Features

  • No-code pilot: launch in days
  • API with webhooks for integration
  • Configurable financing options
  • Partner portal and reporting
  • Pre-qualified offers for end users
  • Rule-based underwriting using proprietary data models
  • Low-code deployment or full-API connection
  • Automated funding process
  • Upfront pre-qualifications

Key Benefits

  • Frictionless finance and faster approvals
  • Unlock new revenue streams
  • Increase user engagement and retention
  • Expand market reach
  • Improved customer retention and loyalty
  • Access to large funding amounts (above $250K)
  • Wider range of financing products
Use Cases
  • Payments platforms
  • Accounting software
  • Healthcare platforms
  • Payroll solutions
  • Invoicing applications
How It Works
1.User logs into the partner's platform
2.Pre-qualified financing offer is presented via embedded widget or API feed
3.User opts in and completes the request within the partner's app
4.Application data is sent to the lender
5.Lender makes a final decision and funds the loan online
Documentation
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Who Is It For
  • Platforms and businesses seeking to offer financing to their clients
  • SMB-focused platforms (payments, accounting, healthcare, payroll, invoicing, etc.)
  • Financial institutions wanting to provide embedded lending
  • Partners looking to increase engagement, retention, and revenue
Requirements
  • Integration with Biz2X platform (via no-code, low-code, or API)
  • Partner application or platform to embed the solution
Detailed Sections
Accessible Financing With Our Embedded Finance Solutions

Provide your clients convenient access to financing through Bi2X and Biz2credit embedded finance solutions directly from your platform.

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Unlock New Revenue with Embedded Lending

Increase user engagement, drive loyalty or retention, and grow revenue with digital financing at your clients’ fingertips. Biz2Credit’s automated funding process is available through embedded partnership, to speed up closing and simplify offer terms disclosure and acceptance.

  • No-code pilot: Launch in days
  • API with webhooks
  • Configurable financing options
  • Partner portal and reporting
  • Pre-qualified offers
Seamless Embedded Lending Application Experience

Step-by-step process for users to access financing through embedded widgets or API feeds, from login to funding.

  • User logs into your platform
  • Pre-qualified offer via embedded widget or API feed
  • User opts-in & completes request from partner app
  • Application data sent to the lender
  • Final decision by lender & funding online
Designed For Business Across Verticals

70% of business owners who applied for a loan in the past year reported difficulty accessing capital. An embedded finance platform could help them get the funding they need.

Benefits of Embedded Finance Solutions
  • Frictionless Finance & Faster Approvals
  • Unlock New Revenue
  • Increase Engagement & Retention
  • Expand Market Reach
Turn-Key Financing Solutions from Biz2Credit Ready to Launch

Simple integration- no complicated tech build-outs required. Start working with our embedded finance platform right away and use our low-code or no-code partnership options to launch fast without disrupting your roadmap.

  • End-to-end business lending platform trusted by top business lenders nationwide
  • Large funding amounts (above 250K)
  • Wider range of financing products available
  • Improves customer retention and loyalty
  • Upfront pre-qualifications and rule-based underwriting based on proprietary data model
  • Low-code deployment or full-API connection
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