Cashflow Attributes

The easiest way to generate 7,500+ Stability, Affordability, Asset, and Willingness signals to train and backtest your models for near-term, high impact risk decisions.

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Instantly generate Cashflow Attributes

Our Attributes give near-term insight into a borrower’s Stability, Affordability, Assets, and Willingness. Get quick feedback on which attributes have the most lift in your models.

Predict near-term outcomes

Track real-time changes in income, balances, fees, and payments to provide timely feedback for model adjustments.

Lower modeling costs

Automate data cleaning, feature extraction, and pipeline development.

Unify data sources

Generate unified Attributes from multiple data sources including bank aggregators, credit reports, and core banking systems.

SMarter Lending

Leverage real-time Attributes across data sources

Below are some examples of Attributes you can leverage:

Assess affordability

Identify underserved borrowers with real-time insights into rising income, debt reduction, and positive cashflow. Extend credit responsibly to those with increasing repayment ability.
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Watch a demo of our Attributes.

Evaluate income stability

Track trends related to a user’s monthly income, including stability and income-to-expense ratios, to adjust risk strategies in real time.

Read more about the Recurring Income Endpoint.

Identify key assets

Identify significant asset purchases or ownership, such as mortgages and auto payments, from transaction data.

Read more about the Recurring Expenditures Endpoint.

Predict willingness to repay

Track recurring payments to gauge borrowers' commitment to agreed repayment schedules. Identify fluctuations that signal changes in willingness, supporting more targeted lending decisions.

Read more about the Attributes Endpoint.

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Explore Use Cases

Cash Advance

Score users to increase approvals, advance amounts, and improve repayments.

Personal Loans

Identify users with high likelihood of making the first 4 payments to reduce delinquencies.

Charge Cards

Graduate users to higher secured or unsecured limits based on increased affordability.

Credit Cards

Set dynamic credit limits based on users' income and affordability.

Drive growth with Cashflow-driven Analytics

Use our Cashflow-driven Attributes and Scores to provide timely, borrower-specific insights tailored to your lending criteria. Make informed decisions that enhance approval rates and loan performance.

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