Banks
From Hindsight to Foresight
Earlier visibility. Better lending decisions. Lower portfolio risk.
The New Self-Reinforcing Commercial Lending Operating System™
Six Questions De-Risk Lending Decisions
| Commercial Lending Questions | Decision Journey | Predictive Intelligence |
|---|---|---|
| 1. Will this borrower maintain and grow revenue to service debt? | Measure the Market |
Revenue Durability™
|
| 2. Does the business have the capability to generate future cash flow? | Measure the Organisation |
Future Revenue Creation Capacity™
|
| 3. How do we continuously strengthen borrower performance? | Integrate Market & Organisation Intelligence |
Growth Predictor Growth Loop™
|
| 4. How likely is this borrower to strengthen future financial performance? | Predict Future Performance |
Growth Predictor Score™
|
| 5. How does this borrower compare with industry peers? | Benchmark Competitive Position |
Growth Predictor Index™
|
| 6. How can verified market recognition strengthen lending confidence? | Commercialise Growth Credentials |
VeriMatch Exchange™
|
Six Growth Outcomes improve Future Revenue Strength & Credit Risk
| Growth Outcomes | Growth Journey | Predictive Intelligence |
|---|---|---|
| 1. Wins, retains, and expands more customers | Measure the Market |
Revenue Durability™
|
| 2. Creates and captures future growth | Measure the Organisation |
Future Revenue Creation Capacity™
|
| 3. Continuously strengthens future revenue growth | Integrate Market & Organisation Intelligence |
Growth Predictor Growth Loop™
|
| 4. Predicting future revenue and growth rate | Predict Future Performance |
Growth Predictor Score™
|
| 5. Outperforms the market | Benchmarking Competitive Position |
Growth Predictor Index™
|
| 6. Gains recognised market leadership | Commercialise Growth Credentials |
VeriMatch Exchange™
|
1. Will this borrower maintain and grow revenue to service debt?
Revenue Durability™ is a repeatable predictive measure of a company’s revenue resilience over the next 12 months, specifically its ability to retain and expand existing revenue.
Answers: Are customers likely to continue buying and expanding?
It is derived from customers’ ratings of the innovative value they expect a company to deliver in the future, measured on a scale of 1–10. These ratings indicate how effectively the company is adapting to customers’ evolving needs.
By weighting customer expectation scores by current revenue, the Revenue Durability Score estimates future revenue retention, growth potential within existing customers, and ongoing demand for innovation.
What the bank learns:
- Is customer demand sustainable?
- Is revenue concentration risk increasing?
- Are revenues likely to remain durable throughout the lending term?
Credit question answered: “How dependable is future revenue generation?”
Decision Signals: Click here for a 12-month predictive view.
2. Does the business have the capability to generate future cash flow?
The Future Revenue Creation Capacity™ measures and predicts an organisation’s capacity to create new revenue over the next 24 months.
Answers: Does the organisation have the capability to generate and capture future growth?
The prediction is derived from a confidential assessment of the organisation’s collective ability to continuously Adapt, Innovate, and Execute value for customers.
The resulting Future Revenue Creation Capacity score provides an early indicator of future revenue potential. The accompanying analysis identifies the specific organisational constraints that may be limiting revenue creation, restricting growth, and ultimately impacting the durability of future revenue streams.
What the bank learns:
- Can revenues scale efficiently?
- Is pricing power improving?
- Is margin expansion likely?
Credit question answered: “How much additional borrowing capacity can this business safely support?”
Decision Signals: Click here for a 24-month predictive view.
3. How do we continuously strengthen borrower performance?
The Growth Predictor Growth Loop™ explains and strengthens the self-reinforcing relationship between Revenue Durability™ and Future Revenue Creation Capacity™
Measured customer expectations are directly linked to the measured growth capability of every individual and team in the business. This creates targeted improvement priorities and establishes a clear line of sight between customer needs, employee capability, and revenue generation.
The insight reveals how improving the capability of every person and team increases the company’s capacity to create and capture future growth. This, in turn, raises customer expectations of future value, strengthens Revenue Durability™, and creates new opportunities for growth, thereby continuously reinforcing the cycle.
The Growth Predictor Growth Loop™ creates a measurable connection between every employee, every team, customer expectations, and company revenue growth—enabling continuous improvement across the entire organisation.
By continuously strengthening the Growth Predictor Growth Loop™, organisations build the capability to target revenue growth and investment performance that exceeds relevant public equity benchmarks by 10%.
4. How likely is this borrower to strengthen future financial performance?
The Growth Predictor Score™ combines predictions 1 and 2 into a single measure of Future Revenue Growth Expectancy. It does this by measuring changing customer expectations alongside the company’s capacity to convert those expectations into sustained and expanding revenue.
Algorithms predict likely future revenue and growth rate over the next 24 months. Together, these factors provide a forward-looking indicator of growth potential not visible from financials. Detailed analysis pinpoints missed growth opportunities and capability misalignment to accelerate growth.
What the bank learns:
- Is revenue expected to accelerate, plateau, or decline?
- Is credit quality likely to strengthen or weaken?
- What is the probable future risk profile?
Credit question answered:
- “Where is this borrower likely to be 18–24 months from now?”
- “Is the borrower moving toward a stronger capital position and lower credit risk?”
Decision Signals: Click here for a 24-month predictive view.
5. How does this borrower compare with industry peers?
The Growth Predictor Index™ predicts a company’s growth relative to sector performance, peer cohorts, and top-quartile benchmarks providing a forward-looking view of its competitive growth position.
Growth thresholds are based on Growth Predictor’s stringent, standardized predictive scoring system. Growth thresholds are identified as:
- Growth Tipping Point (6.5)
- Growth Accelerator (7.5)
- Innovator (8)
- Game-Changer (8.5)
Each threshold represents a measurable step-change in a company’s ability to consistently convert opportunities into revenue growth.
The Growth Predictor Index™ data will be generated over time as more investors and companies participate.
Click here to view an illustration:
6. How can verified market recognition strengthen lending confidence?
The VeriMatch Exchange™ enables companies to convert verified customer validation and Growth Predictor Intelligence into commercial advantage.
It intelligently matches customer-validated products, services, and solutions with current, emerging, and unmet customer needs, creating new opportunities for customer acquisition, strategic collaboration, and funding.
Companies are recognised through independently verified customer rankings, progressing from Growth Accelerator™ to Innovator™ to Game-Changer™ as they strengthen customer value and growth capability.
Participation
Bank participation is on a case by case basis to suit specific requirements for data sharing.
Banks invite portfolio companies to register on their company platform from where their predictive intelligence is generated. Your clients are given 30 days to explore Growth Predictor’s technology supported by us at no cost. After 30 days companies pay a modest monthly subscription for ongoing access and support.
The Alpha Initiative programme can be viewed here.
Innovation Awards
Judges’ comments: “Powerful new intelligence measures customer demand and future growth potential. This grants financial institutions the ability to analyse companies through a new lens that directly links innovation performance to customers and predicted revenue growth”.
“Since establishing in 2016, Growth Predictor has developed into a pioneering force in business development technology, delivering a powerful platform that enables organisations to understand, predict and accelerate their future revenue by leveraging advanced analytics, strategic insight and organisational engagement”. View more here.