Commercial lending shifts to continuous credit reviews: business data enters post-origination assessment

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Commercial lending is shifting to continuous credit reviews, incorporating payment records, account balances, and business records into credit assessments after loan approval. Research shows that small and medium-sized businesses are willing to pay an average of $126 per year for dynamic credit limits or installment options; 83% of mid-market businesses in North America use working capital solutions. Data quality remains a hurdle, with 57% of surveyed financial institution executives citing inaccurate or incomplete SMB records and 52% citing outdated information.