GoodBread Innovations

I'm Chief Credit Officer at GoodBread Innovations, a New York based tech-forward small business lender which works to widen microloan access for underserved entrepreneurs.

Our underwriting framework calls for determining creditworthiness based on cash flow, historical financial and credit data about the person and the business. We NEVER use personal credit scores in any aspect of our scoring. Instead, I identified attributes within credit reporting that are more predictive than a standalone score.

It's a small sample size, but we never had a missed payment, let alone a default. Maybe the model is too tight, but we approved loans that no prime-lender would consider.

GoodBread recently received a $1.38 million grant to expand that access to capital in Kansas City. Go team!