Our mission
We help lenders approve more loans and we help people without credit history to get loans
Who we are
We are alternative scoring system
Many lenders reject loan applications from individuals with a low credit score. With alternative data credit scoring, they get a better and more comprehensive view of the applicant’s creditworthiness.
Alternative credit data provides an innovative medium for lenders to correctly assess the risk levels in lending and offer the right tools to the underwriters.
What We Do
Simbra is online questionnaire that is designed to predict loan defaults beyond the traditional models.
We use psychometrics technology and artificial intelligence to provide a new type of credit score that is based on a key set of personal character.
We don’t replace lenders current credit models, we extends and improve them.
It’s an ideal approach for applicants who do not have a credit history and therefore cannot be scored using traditional methods.
Benefits
♦ Improve your decision process
♦ Approve more loan applications
♦ Reduce loan defaults
♦ Get an alternative view of the client
♦ Make good customers more happy
Fast & Easy
- 3-5 min
- Immediate report
- Simple integration
- Positive customers feedback
Accurate
- High scroring accuracy
- Everyone is 100% scorable
- Comlements traditional credit models
- Culturally and market adaptable
Reliable
- Stable scores over time
- Faking prevention and detection
- Non-reliant upon 3rd party data
Fair & Relevant
- No personal identifiers
- No adverse impact
- Non-invasive
Results
%
Increased loan approval rates
%
Completion rates
%
Decrease default rate
%