Assess

Level up your lending with cash flow underwriting

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.

Book a demo ->

A screen showing insights about a credit applicant from Bud's Assess product

We help lenders flourish

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.

Book a demo ->

A consumer push notification showing that their loan has been approved

Improvements across the lending lifecycle

Cash flow underwriting

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.

A mobile phone showing the consumer's experience of an open banking connection flow

Income verification

Verify an applicant’s employment and income in an instant.

Cash flow underwriting enables real-time verification, reducing the reliance on traditional credit scores.

A raw transaction being enriched to show that it is salary income from Walmart

Monitoring

Intervene early when a customer begins to struggle.

Continuous cash flow analysis helps to identify early signs of financial distress, allowing for timely interventions.

An unauthorised overdraft flag triggering a customer alert message

Collections

Get the best outcomes with personalized plans for customers in arrears.

Cash flow data allows for customized communication strategies that resonate with individuals' situations.