Small businesses represent the entrepreneurial spirit of the American economy, and banks can help these visionaries realize their dreams through small business loans.

Under traditional lending models, small business loan origination resided in the commercial lending department and was unprofitable compared to larger loans. But our BizMark small business loan processing software automates and simplifies the origination process, so even lower-level staff can handle most requests – thus improving your bottom line.

BizMark tackles the entire loan decision-making process, eliminating the need for manually aggregating stacks of data while calculating endless ratios. Its powerful technology quickly delivers reliable loan decisions.

Make more small business loans. And more profits. Processing small business loans takes time and costs money. BizMark dramatically reduces the expense and risk of handling these applications:

• Lower-level staff can handle most requests, which are automatically approved or rejected based on your rules
  
  
• Underwriters reserve their time for more complex decision-making
  
  
• You can process multiple loan applications in the time it used to take to handle just one
  
  
• Unqualified applicants are rejected before expensive business bureau reports are ordered
  

Get the facts. Fast. Perhaps the biggest challenge of small business lending is uncovering all the relevant details. BizMark loan processing software eliminates the problem by seamlessly aggregating the information you need to make wise lending decisions:

• Loan personnel can quickly assemble personal financials, business financials, consumer credit history and company credit history
  
  
• Your policy rules guide each loan decision, whether it is automated or made manually
  
  
• The power of choice in decision engines is also yours. BizMark is so flexible it works with industry standards, like the Fair Isaac LiquidCredit™ Small Business Scoring Service (SBSS), other proprietary score cards or no score card at all
  
  
• Cypress even offers its own decision support tool, the Bureau Interpretation and Scoring Engine (BISE). An enterprise-level solution, BISE is a decision engine, not a scoring option, that can work with BizMark or as a stand-alone option

Grow your business. If the relationship is handled correctly, small businesses can grow into some of your best customers. That’s why BizMark loan processing software integrates the loan application process with customer relationship management know-how:

• Cross selling opportunities in the underwriting process serve as a basis for evaluating new product offerings
  
  
• Data collected from past loan applications can be used to process new requests from previous sources more quickly.
  
  
• Integrated tools support contact management, as well as e-mail notification of credit decisions