Latent cross-lender small-dollar / payday loan performance warehouse

Latent cross-lender small-dollar / payday loan performance warehouse: a consolidated schema holding every loan, transaction, customer record, note and communication for each lender client, from which the platform computes delinquency roll rates by past-due bucket, charge-off rates by origination cohort / product / acquisition channel, ACH return volume and return codes, auto-pay unenrollment reasons, payment-arrangement completion, default rates by underwriting tier and decision-engine output, repeat-borrower and rollover patterns, state and product concentration, and full communication-response logs. The cross-client aggregate — a benchmark panel of small-dollar credit performance across many payday, title and installment lenders — is the latent asset; the product itself ships 400+ standard reports plus a read-only real-time replicated database exposed to analytics tools.

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Brickroad customers

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Coverage

Universe, instruments and categories.

Industry: Consumer FinanceFinancial Technology
Instruments: equitiesfixed_incomestructured_products
Categories: AlternativeFundamental
Regions: US
Sample tickers: SEZLOFEDSGMAPCSBNWBI

Dataset card

Type: not stated
Format: Tabular and already analytics-ready: a normalized relational schema with a read-only real-time replicated database designed for direct SQL and business-intelligence consumption, plus structured communication and audit logs and text notes
Volume: Potentially large and unusually deep per loan: at an illustrative 50-200 lender tenants each holding 10K-200K loans, the warehouse spans roughly 1M-20M loan records, each with full transaction, ACH, communication and audit history at tens of events per loan — plausibly 100M+ event rows. Unverified: derived from tenant-count and book-size inference, not a published figure
Users: Not disclosed — lender-side software with no public client count; positioned for small and mid-size payday, title and installment lenders, so a ~69-person vendor at ~$9.2M revenue implies tens to low hundreds of lending organizations on the platform, each contributing its full book (typically thousands to hundreds of thousands of loans)
History: 10 years
Update frequency: not stated
Growth: Active — publishing an ongoing stream of substantive product and category content (portfolio analytics, a buy-now-pay-later glossary entry), maintaining a 400+ report catalogue and an evolving module set, at ~$9.2M revenue and ~69 staff; no disclosed funding round, so growth is customer-funded rather than investor-accelerated
Launched: ~2014-2016 (inferred: company record established around 2015, ~69 employees, ~$9.2M revenue with no disclosed external funding — a bootstrapped profile implying a mature product line rather than a recent launch)
Delivery: not stated
Entity mapping: not stated
Sample: not stated
Point-in-time: not stated
Licence: not stated

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