The Empirical Research Findings report provides a detailed summary of our applied research based on data from six non-bank financial services providers, two of which are SME Finance Forum's members – Accion, Kabbage, Brigit, LendUp, Oportun, and Petal – that have begun using cash-flow variables and scores in an effort to increase the provision of credit to consumers and small businesses who may have difficulty obtaining loans from traditional sources.

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