Assets + Liabilities + Income + Employment + Risk Analytics =
Product Overview
Good Loan is the industries most advanced credit and risk analytics solution delivering a transformational product for the banking industry. We help financial institutions grow assets, acquire and retain customers, manage risk and optimize capital allocation by intelligently leveraging data.
With the growing generation less likely to have secured assets yet still requiring the ability to obtain credit offerings, Good Loan offers a unique answer to the problem. Our proven product allows financial institutions of all sizes confidence to offer unsecured personal loans of five to seventy-five thousand dollars increasing massive opportunities in the market yet limiting risk.

A 600-650 Credit Score can behave like a 750
By studying thousands of data attributes real-time we find the most powerful drivers of successful payment behavior. Our process analyzes specific groups of borrowers against our algorithm by scoring each individual based on the probability of default and rank orders them from lowest to highest quality.
We study very large national sample sets of borrowers using complex mathematical equations (Machine Learning / AI) to map the patterns of good and bad borrowers, completely independent of the credit agencies.
The new potential borrower is scored based on best fit to the behavioral patterns such as ratio of inquiries in the last 6 months, trades opened, maximum single balance to credit ratio on a revolving bankcard and overall balance to open installment.
Instant Transaction Efficiency
100% digital process is not just about a better customer experience, it results in better products for good customers and safer risk adjusted returns for financial institutions.
With our solution a customers knows whether they were approved or not instantly; adverse action notices are generated simultaneously in the event of a rejection.
The Future Of Customer Credit Evaluation
In todays rapidly changing marketplace, a customer cannot be simply approved on a simple credit check and mention of income. Customers have to be deeply evaluated using many data points real-time to holistically understand a customers current and future financial viability.
Our solution instantaneously looks at a wide variety of information. This includes actual validation of income, assets, first payment default assessment, delinquency flow and understanding of propensity to default. The fundamental premise is to manage the appropriate risk level and approve a good customer that would previously be overlooked by traditional methods.