With a holistic picture of your applicants and customers via their transaction data, you can say ‘yes’ more often, and more quickly, while reducing costs and identifying and supporting those at risk of default or in arrears.
Our cash flow underwriting solution uses real-time financial data to assess creditworthiness accurately.
Grow your loan book, reduce defaults and deliver a credit experience that works better for all involved. The result? A big boost to your bottom line, with no change to your risk appetite.
With cash flow underwriting, you can make informed lending decisions based on actual financial behaviors.
Deliver a speedy experience with open banking-powered cash flow underwriting and risk insights.
This provides a more nuanced understanding of an applicant's financial health and better lending outcomes.
Verify an applicant’s employment and income in an instant.
Cash flow underwriting enables real-time verification, reducing the reliance on traditional credit scores.
Intervene early when a customer begins to struggle.
Continuous cash flow analysis helps to identify early signs of financial distress, allowing for timely interventions.
Get the best outcomes with personalized plans for customers in arrears.
Cash flow data allows for customized communication strategies that resonate with individuals' situations.
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