Lending technology has come a long way in the last ten years. We’ve seen tools that automate underwriting, simplify applications, and use alternative data to refine credit scoring. It’s all impressive stuff.
But all these tools are doing is reacting.
A member applies, the system pulls data, and a decision is made. That’s the model.
Modelshop, on the other hand, is trying something different. Read on to learn how.
Modelshop’s Proactive Credit Offers
With traditional lending solutions, the member asks for a loan, and then the fintech does its magic. But Modelshop doesn’t wait for the members to apply.
Instead, Modelshop helps credit unions anticipate who needs what products – and why. It builds a rich picture of each member, using everything from traditional markers of creditworthiness to their broader financial situation. And that extra context changes everything.
Suddenly, you’re not just waiting around to see if someone qualifies. You’re spotting an opportunity, understanding the risk, and making the first move. Before the member starts shopping for a loan, you’ve already prepared a personalized one.
That shift from reactive to proactive lending is subtle, but powerful. By tapping into member data, cash flow modeling, and advanced analytics, Modelshop helps you understand your members instead of just scoring them.
