Dovareth Lending

Dovareth Lending is a fictional small-business lender that offers fixed-term working capital loans to merchants, local service businesses, and independent operators. The kit is scoped as a believable analytical slice from application intake through funding, repayment, delinquency, and default outcomes rather than a full core-lending system export. The business earns income from origination fees and interest on risk-priced loans. Its customer-facing promise is fast decisions for creditworthy small businesses, while its analytics challenge is balancing growth, approval quality, repayment behavior, and portfolio loss risk.

Operating Profile

• Origination cadence: applications move through submitted, reviewed, approved, declined, withdrawn, expired, and funded outcomes.
• Credit posture: risk bands should influence approval rate, funded amount, APR, expected loss, delinquency, and default behavior.
• Portfolio posture: monthly loan snapshots track principal balance, delinquency bucket, default, charge-off, and payoff.
• Buyer use case: BI builders can produce funnel conversion, underwriting quality, risk-pricing, vintage performance, and repayment operations dashboards.

Recent Business Events

• 1Renewal campaigns convert far better than brokered volume, approving near 74% against 55% for brokers. Repeat borrowers are about a quarter of funded loans.
• 2The refreshed pricing model holds: average APR climbs from roughly 11% in band A to 28% in band E, and realised loss tracks each band's published expected loss.
• 3Delinquency follows the seasonal cash cycle, so portfolio days past due peak after the holiday trading season and trough again in late spring.
• 4Seasonal Advance bills on a genuine seven-day cycle, against roughly monthly instalments on the four term products.