Given bankers' magnetic attraction to the burgeoning small business loan market and the Riegle Community Development and Regulatory Improvement Act of 1994, which allows banks to sell a higher percentage of such loans, it was only a matter of time before securitization of the loans became a reality.

CFI ProServices and Fair, Isaac are teaming their decision making capabilities, along with CFI's automated document abilities, in an effort to standardize the small business lending process-and hopefully make it more appealing for the creation of a secondary market. The non-exclusive agreement pairs Fair, Isaac's SBSS ScoreWare small business credit scoring system, which offers statistically derived credit scoring tools, with CFI's Laser Pro fisCAL Online commercial credit analysis software, which offers analysis of cash positions, IRS data, RMA scores and more. "If you talk to bankers, one of the things you will find uniformly...is you need more information than just a credit score," says Matt Chapman, CEO of CFI ProServices.

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