Slope Launches SlopeScore: The Cashflow Score for Businesses

Designed for lenders, SlopeScore is the first cash flow underwriting score purpose-built for SMBs. The model is deployed on platforms like Walmart, Alibaba, IKEA, and Samsung, giving it exposure to vast volumes of real-world business transactions.

SAN FRANCISCO--(BUSINESS WIRE)--Slope today announced the launch of SlopeScore, the first cash flow underwriting system purpose-built for small and medium-sized businesses (SMBs).

While consumer underwriting has enjoyed rapid innovation thanks to cash flow scores from a proliferation of vendors (Plaid, Nova, Prism, and Experian), SMBs remain underserved. No good solution exists, despite SMBs being the backbone of the economy, having far more accessible banking data, and lacking a ubiquitous, FICO-equivalent credit score to rely upon. The reason: SMB cash flows are complex, and consumer-first models can’t handle that sophistication.

“Most underwriting efforts focus on consumers because it’s simpler. We took the opposite path,” said Lawrence Lin Murata, Cofounder & CEO of Slope. “By starting with SMBs, we built SlopeScore to capture more edge cases, generalize better, and even correct mistakes humans miss.”

SlopeScore uses a patent-pending categorization engine with an LLM at its core to transform raw transaction data into structured, credit-grade signals – categories, counterparties, intermediaries, modalities, and locations – that power sharper credit decisions. The result: a new standard in SMB lending that outperforms SBFE and FICO, expands access to thin-file businesses, and flags risks others overlook.

For lenders, that means more approvals, portfolio growth, and smoother onboarding which keep institutions competitive where speed and access drive customer choice.

In a recent pilot with a top U.S. bank, SlopeScore unlocked nearly $1B in new credit originations from existing data, delivered a 13% lift over FICO in predicting next-18-month delinquency, and achieved 99% transaction categorization accuracy across key fields like income, debt, and rent – even surpassing humans in many instances.

SlopeScore is already being piloted by some of the world’s largest fintechs and financial institutions. Now, that same technology is broadly available for lenders ready to bring cash flow underwriting into their commercial credit decisioning.

About Slope

Slope is defining a new category of credit and risk infrastructure with SlopeScore, enabling real-time cash flow underwriting and credit insights for businesses. Its specialized AI models transform raw transaction data into credit-grade features, powering responsible lending for SMBs and beyond.