Purpose-built for lean teams that need an answer this afternoon — not next quarter's procurement cycle.
Micro-lenders & small NBFCs
Problem: Thin files, no credit history, field agents collecting paper statements.
How we help: One upload returns income estimate, DTI, EMI load per lender, bounce history, and a fraud score — free, in seconds, no procurement thread.
monthly_income_estimate + stabilitydebt_to_income_ratioemi.per_lenderbounces.by_typefraud_scoreBNPL platforms
Problem: Checkout-time decisions in under 2 seconds; can't wait for manual review.
How we help: The analysis returns affordability — income, fixed obligations, recent bounces — in seconds, ready for real-time limits and dynamic down-payments.
expense_to_income_ratiofixed_obligations_ratiobounces.countfraud.verdictGig-income underwriting
Problem: Variable earnings from Uber, DoorDash, Upwork — salary slips don't exist.
How we help: Recurring-credit detection splits salary-like vs business-like income and scores stability across months, so variable earners get fair limits instead of auto-declines.
recurring_credits.business_likeincome_stability_scoremonthly_income_by_monthLandlord & tenant screening
Problem: Credit pulls are slow, expensive, and miss cash-flow reality.
How we help: Rent-to-income, cash intensity, and overdraft flags from 3 months of statements — no credit pull, applicant uploads directly, report in seconds.
estimated_monthly_rentcash_intensityoverdraft_penalty_flagsnet_surplusAccountants & bookkeepers
Problem: Client PDFs every month-end; manual entry eats the margin.
How we help: Converter + Analyzer categorization: raw Excel for the books, categorized spend and top-vendor breakdown for advisory — free, no signup.
transactions[].categorytop_spending_categoriespayment_modeFreelance underwriting consultants
Problem: Need bank-grade signals without an enterprise contract.
How we help: Use the free Analyzer on applicant files and paste the signals into your own reports; the demo's sample data is handy for showing clients how it works.
extraction.confidencebalance_chainSee your signals on a real file — free, no signup.