| BancLab’s products provide unique
insight into small business loan performance. While many vendors have
resorted to one-size-fits-all models due to data limitations, BancLab’s rich
dataset enables us to provide a suite of customized credit risk products.
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Products customized to fit your needs. Off-the-shelf credit risk models
are often a poor fit for individual institutions. BancLab provides clients with
customized solutions for their prepayment and credit risk management needs.
More loan performance data. Drawing from
DataBanc, our proprietary database of more than 1 million small business
loans, BancLab offers unparalleled insight for market expansion, risk
segmentation, loan pricing, capital allocation, loan loss reserves, risk
management, and securitization.
More transaction detail. Tracking loan performance at the transaction
level enables us to model both the severity and timing of credit losses and
prepayments. For example, we can benchmark your ability to recover on defaulted
loans on both a cash and present value basis, allowing you to assess your true
performance vis-a-vis your peers.
Our products include:
