Small-business loan origination, credit risk, repayment, and defaults
Industry
Fintech / small-business lending
Footprint
Digital lending across 28 U.S. states
Borrower focus
Owner-operated small businesses and independent service firms
Company size
Growth-stage, 80-120 employees, $95M-$130M annual funded originations
Data scope
Standard 10-table package across a two-year analytical window
Planning note
Origination funnel, credit scoring, repayment performance, delinquency, and default outcomes
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.
These are the operating questions this kit is optimized to answer first.
Compare application, approval, acceptance, and funding conversion by channel and risk band.
a credit leader can test whether risk bands, APRs, loan amounts, delinquency, and default outcomes move in a believable ordered pattern.
a portfolio manager can compare monthly repayment, delinquency migration, defaults, charge-offs, and recoveries across funded loan vintages.
Drill from time-to-decision KPIs into applications, manual reviews, and decision reasons.