charm solutions Information

Most banks lend to about 5% of their small-business depositors — not because the rest don't qualify, but because the data that proves they do sits unused in the core. Charm SMB360 fixes that. It scores every business depositor daily on cash flow, credit and relationship signals, then answers three questions for your bankers every morning: who should we lend to, who is at risk, and who should we call. Ranked, pre-qualified opportunities land in the CRM; applications arrive in the LOS pre-populated; every outcome is measured — loans funded, deposits kept and grow, losses avoided. Uses the data you already have. Fits the systems you already use. Set up in days, no migration. Charm's scores run inside 98 banks and fintechs, covering more than $100B in SMB loans, with models trained on loan and bank-transaction data from over thousand institutions and $300B in SMB lending. SOC 2 Type II. A BootstrapLabs portfolio company. Menlo Park, CA and Stockholm. See what SMB360 finds in your own book: charmsolutions.ai