Actionable transaction-based insights and scores for consumers and SMEs, seamlessly integrated into your existing credit workflows and decisioning systems.
Traditional credit models often rely on sparse, backward-looking data such as debt usage, repayment history, and credit exposure. Financial statements like tax returns and balance sheets are often 12–18 months old, creating significant blind spots in risk assessment.
Empower credit analysts with a real-time view of affordability, cashflow, and financial behaviour powered by a cashflow-based score and 50+ actionable KPIs
Monthly Affordability. Automatically calculate available repayment capacity until DSCR reaches zero.
Cashflow Statement. Annualised, IFRS-like breakdown of income and expenses.
Cashflow-based Score. 0-100 financial health score based on cashflow, liquidity, and stability.
Adverse Transaction Detection. Identifies late payments, foreclosures, and risk indicators.
Forecasting. 3-month cash movement predictions.
Counterparty Mapping & Regularity. Business relationship analysis & detailed payment pattern.
Originate more.
Increase origination with deeper visibility into applicants' financial health—including sub-prime borrowers.
Faster decisions.
Automated analytics power instant lending with confidence.
Ensure compliance and explainability.
Transparent, traceable decisions in line with evolving regulatory requirements.
Underwrite with higher precision.
Reduce guesswork with data-driven risk assessment at the point of origination.