Finally, say yes to the people you've been turning away.
GoodBread makes microloan underwriting cost-effective for the first time, so $5,000 to $50,000 loans pencil out for your institution. Without new staff. Without weaker portfolio performance.
Three ways in. Start where you need to.
Not every lender needs the same thing. Take the whole program or the single piece that closes your gap.
Microloan Program Management
End-to-end. We run the program, from underwriting through servicing, so you can offer small-dollar lending without building the infrastructure to support it.
Underwriting as a Service
Just the decision. Send us the applications, get back underwriting built on cash flow and behavior, for the borrowers your current models can't economically assess.
Post-Loan Servicing
After the money goes out. Borrowers stay connected to the Knead to Grow resource platform, the guidance and tools that keep loans current, so it's harder for a business to fall behind.
The economics of microlending are broken.
A $10,000 loan costs nearly as much to underwrite as a $100,000 loan. So you set a floor at $15K or $25K, and the borrowers below it, real businesses, your actual community, get a no. We make those loans economically viable so you can finally serve them.
Cash flow and behavior. That's the framework.
A credit score only tells lenders about the past. Cash flow tells them about the present. Behavior, how a business owner handles money, obligations, and pressure as they operate, tells them about the future.
Two signals, weighted toward what predicts repayment.
GoodBread's underwriting framework is built on two signals that predict repayment: cash flow and behavior. For the borrowers most lenders can't economically assess today, that combination is what separates a loan that performs from one that doesn't. It's what credit-score-based models can't see.
Cash-flow signal
- Operating account inflows over 12 months
- Volatility & deposit-cluster patterns
- Margin between revenue and obligations
- Seasonality & cycle resilience
Behavioral signal
- Recurring obligation handling
- Response to short-term pressure
- Operational discipline indicators
- Communication & record-keeping cadence
Plug-in infrastructure, not a new staff line.
Underwriting decisions per applicant
A defensible, documented decision file your team can review, your board can audit, and your regulators recognize.
Pre-screened applicant pipeline
A pre-screened applicant pipeline, organized and ready for your review. When an owner isn't ready to borrow yet, point them to Knead to Grow instead of turning them away. They build readiness on their own terms, and you keep a relationship with a borrower who may qualify later.
Portfolio-level reporting
Monthly performance, vintage breakdowns, and behavior-cohort views you can pass straight to funders.
White-glove implementation
Six-week onboarding, integration with your LOS, and a named human on our side throughout.
Servicing that protects performance
After disbursement, borrowers stay connected to the readiness tools and guidance that keep loans current. Repayment holds when the owner isn't left alone with it.