Decisioning Analysis & Enhanced Profit from Business ID Analytics
The Business
An equipment finance lender running a 15% booking yield asked T2C to analyze their decision engine. What T2C found was a system working against itself.
What We Found
- The majority of declined files were verified active businesses—real companies turned away at the door
- Thousands of approved files carried low scores and were candidates to swap for declined actives
- Approximately 44% of flagged fraud cases had no active business status
Actual Figures from T2C Analysis
129,208 Good Files Declined Verified active businesses turned away
45,120 Approved, Never Booked Pipeline that evaporated before closing
114 Suspicious / EPD Files Approved — cost absorbed by portfolio
Identified Benefit — 5-Year Time Horizon
10% Improvement at 4% Profit Margin
$24M Revenue Opportunity Booking 10% more of 129,208 declined actives
$8M Pipeline Recovery Converting 10% more of 45,120 approved-but-unbooked actives
$4M Cost Avoidance Avoiding 10% of 114 fraudulent approvals before portfolio entry
$36M Combined Business Impact Total 5-year opportunity
Outcome: By running their application data through T2C's Commercial Viability Score, the lender identified $36M in combined business impact over a five-year horizon—from recovering declined active businesses, converting unbooked pipeline, and avoiding fraudulent approvals.
The Tool That Made It Visible
The T2C Commercial Viability Score delivers a single, standardized risk rating built on verified business identity, financial strength, and industry stability signals—making visible what traditional underwriting data cannot see.