Products & Services: LiquidCredit® service

LiquidCredit® is a web-based instant credit decisioning solution that closes the gap between process automation and analytics, helping lenders grow their business while managing risk in any economy. 

The power to protect your lending margins. 

Today's market pressures make it more important than ever to accurately decision and price each credit offer. Every account origination decision represents a one time opportunity to build a solid, profitable relationship.

With LiquidCredit you can extend credit with confidence, knowing that credit decisions are based on the experience and the analysis of a trusted partner and leader in the credit industry. Its robust analytic and decisioning capabilities allow you to determine the proper credit offer and approve more loans without adversely affecting portfolio risk.

For nearly 50 years, Fair Isaac has helped financial services providers reduce risk by using data to make better decisions. Today, we remain the dominant provider of analytical models and decisioning software for consumer and small business lending. Only Fair Isaac provides the expertise to mine information from vast amounts of data to help you make the best decisions.

The right solution for your business

Consumer Credit

Fair Isaac's LiquidCredit service is designed to address a variety of consumer lending challenges, for example:

  • Credit Unions that need to promote profitability while retaining their member-focused philosophy
  • Finance Companies looking to reduce the hours that underwriters devote to examining an application
  • Banks trying to gain greater profitability from an overall weaker applicant quality without taking on unnecessary risk

LiquidCredit gives you the power to design and implement analytically driven strategies that can be consistently executed in near real time.

LiquidCredit® decision engine — a single or multi-lender, automated decisioning and brokering platform for all credit grantors.

Small Business

There's a reason why 90% of small business credit grantors in the U.S. use Fair Isaac analytics to support their credit decisions. In a word: Leadership.

In the early 1990s, Fair Isaac helped spark the small business credit revolution. We introduced the industry's first automated credit decisioning solution— the Small Business Scoring Service(sm) (SBSS[sm]) solution. SBSS was the first to pair software and predictive models specifically for commercial lending. The SBSS model suite is an integral component of the LiquidCredit solution, supporting leasing, commercial cards, lines of credit and term loans.

LiquidCredit decision engine — a single or multi-lender, automated decisioning and brokering platform for all credit grantors.

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