Cash-Flow Underwriting
Thin-file applicants judged on twelve months of real cash flow, every number traced to a transaction.
Why it matters
Some 45 million US adults have no credit file or no score, and Indian first-time borrowers arrive with no CIBIL history; analysts read months of statements by hand to judge them.
How the solution handles it
Agents read twelve months of bank data, separate salary, gig and transfer income, find EMIs, BNPL and rent, then test affordability against the credit policy. Every figure links to its transactions; an underwriter approves or declines and the reasons flow to the notice.
How an application moves
Six agents read the bank data, find income and obligations, test affordability and policy, and draft the case; an underwriter approves or declines.
What it reads, and what it hands back.
What goes in
- Account Aggregator or open-banking feed
- Bank statement PDFs (6–12 months)
- Payslips or GST returns
- Bureau report (CIBIL, CRIF, Experian)
- Application form
What comes out
- Cash-flow summary, every line cited
- Income stability and obligations view
- Affordability (FOIR) calculation
- Draft recommendation
Who uses it
The difference, in numbers.
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
Sources: CFPB, Data Point: Credit Invisibles (2015), 26M no file + 19M unscored · RBI Account Aggregator framework · “Target” = design goal, measured in the live solution · “Estimated” = our estimate · agents = the live solution’s configuration
6 specialist agents. One person decides.
More in this division.
Every new customer verified across ID, CKYC and Video KYC in minutes, ready for CKYCR upload.
Identity FraudSynthetic identities and altered documents caught at the door, each flag shown with its evidence.
Adverse ActionEvery decline gets specific, accurate reasons and a compliant notice, days inside the 30-day clock.
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