This empirical paper analyzes the impacts on predictive accuracy and credit access of incorporating electronic cash-flow data into small business underwriting models using data from two fintech lenders that lend to a broad spectrum of customers. The research was conducted in collaboration with Sabrina T. Howell and Siena Matsumoto at the New York University Stern School of Business.

OFN’s annual Small Business Finance Forum (SBFF) is the premier event for mission-driven small business lenders, partners, and advocates. This event offers an excellent opportunity to learn from peers and build valuable connections, participate in OFN training, learn about products and services for CDFIs serving small businesses, hear remarks from distinguished speakers, and much more.

We are pleased to announce the return of the successful CDBA Storytelling Booth, taking place during the Peer Forum on June 4th and 5th. This booth is a dedicated space to spotlight the powerful work CDFIs, MDIs, and mission-focused bankers like you are doing to advance inclusive economic growth and empower underserved communities. It’s your opportunity to share your impact—and inspire others.