Additionally, because the use of credit scoring models in small business lending has only recently become more commonplace, at this time, it is not clear how small business creditscoring models perform relative to traditional reviews of such loans, especially during a major economic slowdown.
However, users of the models generally report that, after their adoption,  BIS Review 129/2007  3  (1) the riskiness of the small business portfolio either remains about the same or declines, and (2) the quality of the typical credit decision increases.