A standardized score for cash flow underwriting, built entirely from transaction data.
Cashflow Score is for consumer lending only. Score applicants from account and transaction data alone: a 1 to 100 risk score, where a higher score means lower risk, with explainable cash flow drivers and no lender performance history required to start.
For illustrative purposes only
Cashflow Score is a standardized 1 to 100 risk score for consumer lending, built entirely from account and transaction data. The model is already built, so it scores applicants immediately: no bureau file, no lender performance history and no PII required. It runs alongside the bureau scores, policy rules and models you already use, adding an explainable cash flow view rather than replacing any of them.
Account and transaction data only. No bureau file, no lender performance history and no PII required.
Account data
Bank transactions
Cashflow Score
Standardized, transaction-only
Score 1-100
Five behavioral drivers
Plain-English reasons
A score and its five behavioral drivers, each with a direction and a plain-English reason for the read.
For illustrative purposes only
Curious how the score reads on your own thin-file or declined applicants?
Your decision engine and scorecard receive the score and its five behavioral drivers by API or batch, as an additional input alongside the risk data you already use.
Decision engine
Scorecard
Origination platform
LMS
CRM
Portfolio analytics
Cashflow Score is delivered by API or batch and sits alongside your bureau score, rules and existing models. You retain control of policy, cutoffs and final decisions.
The model is already built and standardized, so you can score applicants before you have a book of your own outcomes to train on.
Account and transaction data is sufficient. No bureau file and no PII are required.
Velocity, Liquidity, Stability, Leverage and Resilience, each with a named driver and a plain-English reason rather than an opaque number.
It is not a bureau score. It adds a cash flow view alongside bureau scores, policy rules, scorecards and existing models.
Assess the score retrospectively on applications you have already decided. Score that history, compare the score against the outcomes you recorded, and measure separation on your own population. Your risk team sees how the score ranks your own applicants before it influences a live decision.
Illustrative of the process, not a report of results. Separation is measured on your own historical outcomes.
Start fast on transaction data alone. As you build enough of your own repayment history, move to the Credit Risk Model for a lender-specific view calibrated to your book. Financial Health Summary and Cashflow Servicing extend the same transaction data further into attribute-level underwriting and portfolio monitoring.
Explore the Credit Risk Model · See all comparisons
Assess the score retrospectively on applications you have already decided.
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