GDS Link and Transaction Science Announce Release of the First Small and Medium Enterprise Bank Transaction Scoring Suite

New solution supports high demand for funding by evaluating cash flow history

Dallas, March 11, 2020:  GDS Link, in partnership with Transaction Science, announces the first of a kind SMB Bank Transaction Scoring Suite.

Small businesses are the engine of the economy, generating a majority of new jobs every year. However, access to credit is often limited when businesses have thin or no credit history. To support the continued high demand for small business funding, GDS Link developed a solution with Transaction Science that looks beyond small business credit history to actual cash flow history.

“Although SMBs are the foundation of our economy, they’ve lacked funding solutions that are crucial to their survival and growth,” said Carl Spilker, VP of Analytics, GDS Link. “The RevealedAffordability™ suite brings real results to lenders, with an innovative approach to business credit based on cash flow history that will support new opportunities and funding access to SMBs.”

RevealedAffordability™ SMB bank transaction scoring suite is a major step forward in the small business underwriting process. It is the first suite of fraud and default scores utilising bank transaction data designed specifically for the SMB lending industry, enabling a digital underwriting process with consistent output for use in policy, reports, manual underwriting flows and complex models – regardless of the bank aggregation provider (Ocrolus, PLAID, Yodlee, Cash Flow Solutions, DecisionLogic, and MX, among others).

The suite uses a consolidated view of thousands of trended cash flow data points and actual small business advances, loans and lines of credit. Since implementing the solution with several SMB lenders, GDS Link has accelerated the underwriting process with response times of less than three seconds, decreasing the likelihood of a customer shopping elsewhere for another loan and thus increasing approvals. In addition, SMB lenders have seen up to a 40% reduction in fraud and default losses – with one lender reducing its losses by nearly $2 million – while increasing approvals by 30%.

“GDS Link has proven itself as a leader in customer-centric risk management solutions, and we’re excited to join forces in bringing SMB lenders the industry’s first solution that provides a comprehensive suite of trended data attributes and scores using the actual cash flow history of a small business,” said Steven Thompson, Chief Scientist, Transaction Science.

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About GDS Link:

GDS Link is a global leader in credit risk management, providing tailored software solutions, analytical and consulting services. Our customer-centric risk management solutions, analytics, and advisory services are designed for the modern lender in their pursuit to capitalise on the entire credit lifecycle, allowing them to drive growth while successfully managing risk. Founded in 2006, GDS Link is headquartered in Dallas, Texas with seven international offices including the United Kingdom and Spain. For more information, please visit

About Transaction Science:

Transaction Science is a fintech founded in 2019 by credit risk and data science executives with a passion for data engineering, score development, and profitable lending decisions. Through its patent-pending RevealedAffordabilityTM technology platform, Transaction Science enables high quality, timely lending and account management decisions based on the freshest data possible: bank transaction data. For more information, please visit

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