OakNorth is the next-generation credit platform that is redefining lending to lower mid-market businesses ($1-$25m loan size) globally. The platform helps banks and lending institutions around the world to cater to the lower mid-market business segment more holistically and profitably. The platform has enabled OakNorth Bank in the UK to become one of the most successful new banks in the country, lending c.$5bn in the last four years. The platform supplements the traditional method of relying on backward-looking historical data sourced from the borrower, and scenario analysis based on standard haircuts that are not necessarily linked to industry drivers (Level 1 and 2 analysis), with technology and massive data sets, to model a forward-looking view that’s informed by industry benchmarks, macroeconomic drivers, and scenario analysis specific to each business (Level 3 and 4 analysis).