Coeus Collective的动态

?? Banks, are you ready to boost your CRA lending results? ???? Did you know 43% of CRA-eligible areas are underserved? By harnessing geospatial analytics paired with AI, you can uncover hidden lending opportunities and achieve a 10x ROI! ??? PathFinder’s insights not only help you target these communities but also improve loan closure rates by 15% in just one year! Plus, discover cross-selling opportunities for personal, auto, and small business loans. Transform your CRA strategy today and make a real impact! The Path to 10x ROI in CRA Lending: How Geospatial Insights Lead the Way https://hubs.li/Q02SX3C20 #Banking #CRALending #GeospatialAnalytics #ROI #CommunityImpact

Trends in Micro Loans Against Property (Micro LAP) In today's dynamic financial landscape, Micro Loans Against Property (Micro LAP) are emerging as a game-changer for small businesses and entrepreneurs. Here are some of the latest trends shaping this innovative financing option: Digital Transformation: The integration of digital platforms for loan applications and processing is streamlining access to Micro LAP, making it faster and more efficient for borrowers. Flexible Repayment Options: Financial institutions are offering more flexible repayment plans tailored to the unique cash flow cycles of micro and small enterprises. Personalized Loan Products: Lenders are developing customized Micro LAP products to meet the specific needs of different sectors, providing more targeted financial support. Enhanced Risk Assessment: Advanced data analytics and AI are improving risk assessment models, allowing lenders to offer competitive interest rates and better loan terms. Increased Financial Inclusion: Micro LAP is playing a crucial role in increasing financial inclusion, enabling underserved segments to access capital and grow their businesses. Stay ahead of the curve by exploring how Micro LAP with Purple Finance Limited can empower your business with the capital it needs to thrive. #MicroLAP #InnovativeFinance #DigitalTransformation #FinancialInclusion #SmallBusinessGrowth #FlexibleFinancing #PurpleFinanceLimited

Fintech, Small Business & The American Dream | springerprofessional.de: Fintech, Small Business & The American Dream. How Technology Is Transforming Lending and Shaping a New Era of Small Business Opportunity. verfasst?...

Running a #smallbusiness is rewarding. But it can come with plenty of challenges. Are you struggling to keep up with #cashflow demands? Feeling like you're drowning in expenses? Finding it hard to get the money needed to expand your operation? You're not alone. Many small businesses face the same uphill battle. Filling out endless #loan applications, just to be repeatedly rejected by the big banks, is stressful and frustrating. It doesn’t have to be this way. Smart Advance, is the easy way to get the #funding your #business needs. All you need to do is follow three simple steps. 1. Begin by filling out one simple online application form. 2. We use the latest AI technology to figure out how much you can borrow and what terms are right for you. Then, we search through hundreds of loan options to find the right one for you. 3. Apply With The Perfect Lender: Within minutes, we’ll find the lender that will give you a great deal. www.smartadvance.com.au

OnDeck: Main Street Optimism Remains High as Digital Financing and Payment Solutions Expand Read more: https://lnkd.in/dvheCSVi #OnDeck #SmallBusinessOptimism #DigitalFinancing #PaymentSolutions #Fintech #BusinessGrowth #finance #fintech #FinancialIT

99.9% of American businesses are considered small businesses - a huge opportunity for lenders. Yet traditional lenders have failed to effectively service the SMB market. "This is driven in large part by the fact that banking incumbents tend to view SMBs as too small to warrant the tailored services afforded to larger corporates, yet too diverse to be addressed in a scalable way like retail banking clients. But this dynamic is undergoing a shift as new technologies and alternative data combine to speed up and simplify business funding." "...'AI [artificial intelligence] is helping us move faster with data sets to?get capital?to small businesses,'?Hello Alice?Co-Founder and President?Elizabeth Gore?told PYMNTS in an interview published Thursday (April 4), adding that there are 'more small businesses launching in America than at any time in [Hello Alice’s] history.'" #lending #businessloans #commercialloans #businesscapital #businessfunding #AI #banking #fintech

???????????? ?????? ?????????? ???? ????????????????????: ?? ?????????? ???? ???????????????? ???????? ????????! ?????????????? ???? ???????????? ?? ???????? ???????? ?????????????????? ??????????? Collateral is your secret weapon. Turn your assets into financial leverage with collateral-based loans. By using property, investments, or vehicles as security, you can unlock lower interest rates, more favorable terms, and higher borrowing potential. Collateral not only strengthens your loan application but also opens doors to larger funding opportunities, whether for business growth, personal needs, or long-term investments. ???????? ????????????????????: By securing your loan with collateral, you can mitigate risks for lenders, making them more likely to approve your application. ?????????????? ???????? ??????????????????????: Having collateral can significantly enhance your chances of loan approval, even if your credit score isn't perfect. ???????????????? ???????????????? ????????????: Use your valuable assets to access greater loan amounts, enabling you to pursue your financial goals more aggressively. ???????????? ???????????? ??????????????: Access more significant funds for your projects or investments. ???????????? ?????????????????? ????????: Collateral-backed loans often come with extended repayment terms, giving you more flexibility in managing your finances. At ???? ??????????????, we make it easy for you to turn your assets into a stepping stone for financial success. Our experts help you navigate collateral-backed lending, giving you the power to secure your loan and achieve your financial aspirations. #UnlockYourPotential #CollateralPower #F2Fintech #FinancialFreedom #SmartLending #AssetLeverage

For much of the past two decades, the private debt market has experienced consistent and substantial growth even as the Federal Reserve has utilized frequent interest rate adjustments to combat various economic challenges. With interest rates expected to be cut throughout 2024, private debt will once again have a chance to showcase its resiliency. In our latest blog, we take a closer look at what factors make private debt so resilient and examine how automations in AXIS by AIO Logic allows lenders to scale up their lending operations as the market continues to grow! #PrivateDebt #InterestRates #CommercialLending #FIntech #AI

Understanding DeFi Lending: A Simple Guide DeFi lending eliminates traditional financial intermediaries like banks by utilizing technology. This guide explains how it operates, identifies major players in the market, and defines common terms used in the space. How DeFi Lending Functions DeFi lending revolves around smart contracts—self-executing contracts with the terms of the agreement directly written into code. Lenders contribute funds to a liquidity pool, which borrowers can access by placing collateral that typically exceeds the loan value. Interest rates fluctuate based on the pool's liquidity. Major Players in DeFi Lending Aave: Known for offering uncollateralized loans and flexible interest rates. Compound: Features automatic interest rate adjustments reflecting current market conditions. MakerDAO: Issues DAI loans, maintaining stability through rigorous collateral requirements. Key Terms in DeFi Lending APR (Annual Percentage Rate): The annual rate charged for borrowing or earned by lending. LTV (Loan to Value Ratio): The ratio of the loan amount to the value of the collateral. Collateral: Assets pledged as security for repayment of a loan. Liquidity Pool: A collection of funds used for lending and borrowing. DeFi lending offers a transparent, efficient way to access financial services without a central authority, potentially providing better conditions than traditional banking. Interested in exploring DeFi further? Visit www.crystep.com or reach out to us at [email protected] for additional information.

?? We've often come across horror stories about wilful defaults and aggressive debt recovery practices that cause undue stress and create an unpleasant experience for both lenders and borrowers. ?? The final blog in our series on Digital Lending addresses the last and most crucial piece of the lending puzzle, ‘??????????????????????’. We delve into solutions ranging from simple behaviour nudges to complex collection analytics that streamline the whole process for FIs as well as the end users. ?? Digital debt collection methods enhance efficiency and transparency, making the process less stressful for borrowers. Advanced collection analytics, powered by AI and ML, allow lenders to create tailored strategies and improve recovery rates. Additionally, tech-enabled legal recoveries ensure compliance and effectiveness while maintaining borrower dignity. ? While technological advancements have significantly improved debt collection processes, the industry still faces challenges. Balancing technology with empathy and ensuring ethical practices in AI-driven collections are essential for sustainable success. Stay tuned for more insights and continue supporting our work. Read the full blog here.??? https://lnkd.in/gmt7-_9g