What is Financial Health Summary?
A flexible insight layer that returns borrower metrics from transaction and lender-provided data — readable, actionable insights about a borrower's financial condition to power scorecards, policy rules, and manual decisioning.
How is it different from a score?
It's an interpretable layer of borrower metrics and ratios, not a single score — designed to feed scorecards, policy rules, and manual decisioning.
What data does it use?
Transaction data plus any lender-provided data, mapped to the metrics you need.
What does it provide?
Income and expense metrics, variability and stability measures, and other borrower insights that populate scorecards and reviews.
Where in the lending lifecycle is it used?
Both as an underwriting input and for post-origination review, credit monitoring, and early risk detection.
Is it explainable and auditable?
Yes. It returns clear, readable borrower metrics that support transparency and governance.
How is it delivered?
Via API or batch, fitting into your existing underwriting and monitoring workflows.
Does it make lending decisions?
No. It provides borrower insight metrics that feed your scorecards, policy rules, and manual decisioning; you keep policy and final decisions.
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