Genie Gem continues is discussion on Commercial Credit Lease Genie discusses the first commercial credit scoring models and how they have evolved over time.  Common predictors include Repayment, Business Industry, Revenue, Time in Business, Geography, Trends, and Public Records. Today’s credit world is more sophisticated with credit departments and underwriters using credit modeling and artificial intelligence. As a result, banks and funding groups can be more aggressive extending more credit.

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David Craig