"One's lending decisions" refers to the choices or judgments made by an individual or institution when deciding to give money to someone as a loan. Full definition
But because lenders are inherently lazy like most of us and don't want to pay people to interpret credit reports, they often rely on a credit score in making lending decisions. (mymoneycounselor.com)
It just means that instead of using credit scores as a primary factor in lending decisions, the company focuses on how businesses perform financially in terms of monthly revenue and cash flow. (businessnewsdaily.com)
A majority of lending decisions today are based on FICO scores. (valuepenguin.com)