Scoring the credit risk of a business involves a review of the balance sheet, cash flow, and current assets added to data related to prior credit history. In developing countries, small businesses, including micromerchants, typically can’t qualify for loans, including credit cards, because lenders lack a comprehensive, financial data-only underwriting model because they have no prior credit history. LenddoEFL offers a quantitative risk scoring tool lenders can deploy to find good customers among the more than 200 million micromerchants worldwide with little or no prior credit history. The...