Reduce defaults and NSFs by customizing payments to your customers’ affordability.
Used by: BNPL / POS Financing / Lease-to-Own / Flexible financing solutions
Unnecessary losses. Collections teams face losses from late, returned, or partial payments due to low borrower affordability.
Overlooked Borrowers. Traditional lending criteria exclude capable borrowers with a strong ability to pay.
Lagging signals. It can take up to 30 days for credit reports to display changes in a borrower’s financial situation.
Personalized payment plans. Tailor payment plans based on a borrower's peak affordability. Reduce the chance of defaults by over 27%.
Identify healthy cashflows. Visualize a borrower’s cashflows to uncover signals of financial health and ability to pay.
Real-time visibility. Tailor loan terms based on a comprehensive, unified, and real-time view of the user’s cashflows alongside credit data.
Forecast affordability with a real-time view of income, expenses, liabilities and more.
Generate 1000+ Risk & Affordability signals to train and backtest your loan pricing, pre-qualification, and risk models.
Project affordability scenarios for personal loans.
Score users for cash advances.
Set dynamic credit limits for credit and charge cards.
