Smarter underwriting starts with better data
Equip your credit teams with real-time cashflow intelligence to approve more, lose less, and decide faster.
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Transform your underwriting with cashflow-driven decisioning
Move beyond static financials and credit bureau data. Integrate real-time transaction insights directly into your scoring models, credit policies, and approval workflows.
Go deeper than static scores.
Prestatech provides granular insights into income, liquidity, and spending behavior—built on real account data, not assumptions. Designed for both individuals and SMEs.
Data that speaks. Clear trends and patterns. Precise decisions.
Assess real-time affordability.
Understand income consistency and recurring obligations to evaluate what borrowers can realistically afford.
Spot early warning signals.
Detect instability, irregular cashflows, or high-risk behaviors before they impact portfolio performance.
Segment and score with context.
Use behavioral data to create more accurate, personalized risk profiles—built on actual patterns, not assumptions.
Act faster, with better data.
Make decisions in minutes, not days, using enriched insights that update as customers’ situations evolve.
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One Platform, Multiple Business Outcomes
Whether you're scaling origination, tightening risk controls, or automating back-office operations — Prestatech adapts to how your team works.
Grow Originations
Say yes to more borrowers — including thin-file and SME applicants — with cashflow-based scoring that goes beyond traditional credit bureau data.
Reduce Portfolio Losses
Identify early warning signals before they become defaults. Transaction-level monitoring and predictive analytics give your risk team a real-time view.
Automate Credit Operations
Replace manual document review, spreadsheet-based analysis, and fragmented data pipelines with a single, API-driven platform.
Accelerate Onboarding
Turn days of back-and-forth into a seamless digital experience. Automated document capture and instant data extraction mean faster answers.
Strengthen Compliance
Every decision is traceable. Full audit logs, explainable scores, and structured outputs built to meet the transparency standards regulators expect.
Monitor & Pre-Score at Scale
Run batch cashflow analysis across your entire portfolio. Detect deterioration, identify upsell opportunities, and re-score with fresh data.