The New Rules of Lending: Cash Flow, AI & Why Credit Scores No Longer Rule
Manage episode 497269599 series 3679128
Is the credit score really dead? In this episode, we take a deep dive into the groundbreaking shifts transforming how business funding works in 2025.
Discover how lenders are moving away from outdated FICO-based approvals and embracing smarter, faster, and more inclusive methods like:
- Cash flow underwriting that analyzes real-time income and expenses
- Alternative data like utility payments, rent history, and digital activity
- AI-driven risk models that make faster, fairer decisions
- Private credit and fintech platforms that bypass traditional banks entirely
- New CFPB lending rules that enforce transparency and equal access
You’ll learn how these technologies are giving more small business owners access to capital—even with less-than-perfect credit—and what lenders actually care about today.
💡 If you’ve ever been denied because of your credit score, this episode will show you how the funding game has changed—and how you can win.
🤝 Brought to you by Lendex Solutions Group
At Lendex, we partner with forward-thinking lenders who care more about your business performance than your credit score.
✅ No upfront fees
✅ No hard credit pull
✅ Soft-pull pre-approvals in 60 seconds
👉 Get pre-qualified now at LendexSolutions.com
#BusinessFunding2025 #CreditScoreMyth #AlternativeData #CashFlowUnderwriting #FintechLending #AIinFinance #SoftPullOnly #RevenueBasedLending #LendexSolutions #SmallBizFunding
#PrivateCredit #SmartUnderwriting #CFPBCompliance
#NoHardCreditCheck #BusinessLoanTips
18 episodes