So think about it: the two questions that the consumer-
lending machine is based on have nothing to do really with
the enterprise value of the business. The ‘Enterprise Value’ of the business, as we have established, are the two most important words for every entrepreneur to discover, monitor and optimize. So wouldn’t you think the commercial and business lending markets would be based – at least in part –
on understanding and lending to that value, that metric, or that score?
We believe this will happen in the not-too-distant future. Why? Because it will have to. Online lenders are getting
smarter every day by asking myriad Big Data analytic questions that show that they can base their risk and credit
decisions on other factors. This has helped them grow at a rate of a 5-to-1 ratio against the growth rate of traditional banks and offline lenders.
What if business credit and commercial loans were based on something that all businesses could measure, and manage
and strive to grow? What if small business loans were neither consumer-oriented nor based on requirements that hinder their ability to be viewed properly?
When The Fair Credit and Reporting Act of 1970 was
established in the United States, it ushered in a period of 112
