Commercial New to Credit Score (NTC)

Commercial lending is increasingly driven by small businesses and proprietorships. However, many borrowers have limited, outdated or no commercial credit history, making it difficult to assess them with traditional commercial scoring approaches.

TransUnion CIBIL’s Commercial New-to-Credit Score (NTC) extends risk assessment using trusted consumer bureau intelligence. It empowers lenders to unlock new growth opportunities while maintaining strong risk discipline.

Delivered within the existing Commercial CIR workflows, it helps lenders assess previously unscorable commercial borrowers, improve decisioning efficiency and support responsible portfolio growth.

Applications:

• New Customer Acquisition

Identify & onboard underserved/thin file borrowers with limited or no commercial credit history

• Credit Underwriting

Make data-driven approval and pricing decisions

• Custom Analytics

Use it alongside CreditVision® CIBIL Commercial Rank (CV CMR) and enable informed approval decisions with risk insights even for previously unscorable profiles

• Streamlined Credit Assessment

Enable faster, automated credit decisioning by reducing reliance on manual underwriting