From Reactive Risk Management to Proactive Client Acquisition: The Power of Integrated Data

In financial services, risk and opportunity are two sides of the same coin. Traditional credit risk models are often reactive, relying on historical filings and lagging indicators. But by the time a company enters administration, it's too late to act.

Meanwhile, your most valuable clients—those seeking refinancing or growth capital—are often invisible until they walk through your door or approach a competitor.

What if you could see both the risk and the opportunity earlier?

The key lies in moving beyond company-level data and integrating it with real-world assets and real-time events.

The New Triggers for Risk and Growth:

An integrated intelligence platform connects a company's financial filings with its property assets, director movements, and legal charges. This allows you to build a dynamic, 360-degree view.

For Proactive Risk Mitigation:

• Monitor Portfolio Health: Get alerts when a company in your portfolio takes on new debt (an unsatisfied charge) from another lender.

• Early Distress Signals: Correlate property ownership with insolvency patterns. Companies with multiple charges and overdue accounts are statistically far more likely to fail.

• Director Due Diligence: Instantly check for director disqualifications across a borrower's entire network of companies.

For Proactive Client Acquisition:

• Refinancing Leads: Identify companies with active charges (loans) that are nearing their maturity date. These businesses will soon be shopping for new terms.

• Growth Capital Targets: Find profitable companies with significant property assets (demonstrating collateral) that have just appointed a new, growth-oriented director.

• Cross-Sell Opportunities: See which of your business banking clients own valuable property assets, indicating a potential need for asset-backed lending or commercial mortgages.

Transform Your Business Development Strategy.

Instead of waiting for clients, you can now build a pipeline of qualified, high-intent leads with known collateral and known needs.

ByagraRoopa Insights provides the live data feed to power this strategy. We connect the assets to the entities to the people, giving you the intelligence to act first.

>> Discover how our Finance Edition can de-risk your portfolio and fill your deal flow. Schedule a personalized demo today.