I am currently developing an innovative credit scoring platform using my own proprietary algorithms for small business lending. The software captures/analyzes big data from government, markets, and businesses, and then generates credit decisions in real time using machine learning techniques (neural networks, ensemble methods). As a result, these credit models look deep into health of small businesses, prioritizing cash flows and overall business performance, rather than the owner's personal credit history when making credit decisions

Existing lenders fail to address ease of application, customer service and turnaround time. Traditional loan applicants meet with a loan officer toting income tax records, personal finance records and other paperwork. Instead, applicants upload 90 days' worth of existing bank statements; the software imports personal and business credit profiles as well as scanning publicly available records for relevant information, using data points that include the health of an applicant's industry and region, social media data, and other public data.