Corporate lending refers to lending to businesses, especially SMEs. Kreditz supports SME lenders and other B2B credit formats such as machine rental, car leasing, construction financing, and corporate credit cards.

Kreditz helps lenders assess business affordability and risk using real-time bank data instead of relying heavily on manual documents or traditional credit bureaus. This improves decision accuracy, speeds up approvals, and supports better long-term risk control.

With business consent, Kreditz pulls real-time financial data directly from the company’s bank account. This provides an immediate view of financial health, enabling faster and more accurate credit assessments.

Traditional assessments often depend on historical bureau data and manual financial statements. Kreditz uses current transaction flows, which give a more accurate picture of a business’s situation today — especially important for SMEs whose cash flow can change quickly.

Kreditz provides granular transaction data so lenders can analyze incoming and outgoing cash flows in depth. This helps determine a company’s true affordability and repayment capacity, reducing both over-lending and unnecessary declines.

Yes. Kreditz verifies revenue streams directly from the business bank account, creating a complete and reliable financial picture. This supports higher approval rates and less manual work.

Kreditz enables continuous monitoring of a business’s financial status. Lenders can track changes over time and adjust credit terms, offer proactive support, or take preventive actions if risk increases.

Kreditz helps detect risky behaviors or signals such as high debt exposure, irregular income patterns, or other transaction trends that may indicate elevated default risk.

Financial data is integrated automatically into credit decisioning models. This reduces manual data entry and document handling, speeding up approval workflows and lowering operational costs.

Because real-time data replaces much of the manual documentation, businesses can apply faster with fewer steps. This reduces friction and improves completion rates.

Yes. Kreditz supports customizable scoring models, so SME lenders can build or refine credit decisioning based on their specific risk appetite, product type, and target segments.

Yes. Kreditz provides white-label options, allowing lenders to offer a seamless, fully branded experience to SME customers while Kreditz powers the data and decisioning in the background.

By using historical transaction data, Kreditz can generate predictive insights that help lenders anticipate future financial trends and make more informed credit decisions.

Kreditz allows lenders to rely more on direct bank data, which reduces costs, improves data freshness, and gives more relevant insight into SME financial health.