Unlock Intelligent Financial Ratios with Symphonix Lending Software

In lending, numbers tell a story. But raw figures don’t always speak clearly—ratios do. With Symphonix lending software, lenders can unlock deeper insights through automated financial ratios, helping them make smarter credit decisions, faster. From collateral coverage to borrower liquidity, ratios illuminate risk, reveal opportunity, and support consistent, scalable decision-making.

What Ratios Are Supported?

Symphonix lending solution software enables the creation and configuration of multiple ratio types, including:

• Collateral Ratios – Understand how well a borrower’s collateral secures the loan by comparing the asset’s value to the loan amount.

• Financial Spread Ratios – Calculate borrower health with metrics like Debt Service Coverage Ratio (DSCR), Current Ratio, and Quick Ratio.

• Custom Ratios – Configure custom formulas using available financial fields to support your institution’s unique credit policy.

Each ratio can be tied to scoring models, underwriting criteria, and workflows—so your credit process runs smarter, not harder.

How It Works

Within the Symphonix platform, ratios are calculated automatically when financial data is submitted or updated. For example:

A commercial borrower uploads their latest financial statements. The system auto-calculates a Current Ratio of 1.8 and a DSCR of 2.1—meeting the institution’s underwriting threshold. No manual math required.

Ratios can be built using system-defined financial fields, including values pulled from:

• Collateral appraisals

• Balance sheet data

• Income statements

• Loan request details

These fields are configurable and can be mapped to support your institution’s data structure and credit analysis needs.

Why It Matters in Digital Lending 2.0

In the era of Digital Lending 2.0, lending systems must deliver more than data—they must deliver intelligence. Automated ratios are key to:

• Reducing manual calculations and errors

• Standardizing risk assessments across teams

• Supporting rapid decisioning with clear thresholds

• Enhancing portfolio visibility with meaningful metrics

Ratios support smarter credit outcomes by making complex analysis simple, fast, and actionable. This is where next-gen loan management platforms stand apart: by transforming data into decisions at scale.

Built on Symphonix Lending Software

Because Symphonix is a configurable and cloud-based lending solution software, your team can:

• Define which ratios matter most

• Adjust thresholds as your risk appetite evolves

• Link ratios directly to workflows, scores, and decisions

Whether you’re underwriting a small business loan or tracking portfolio performance across thousands of commercial borrowers, ratios in Symphonix lending software offer clarity, consistency, and confidence.

Smarter ratios. Stronger decisions. Only in Symphonix.