The Cash Flow Bureau

Lenders use Edge to see opportunities and risks for consumers who are misrepresented by traditional credit scores

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Traditional risk metrics fall short for nearly half the U.S.

Almost half the U.S. population is unserved or underserved by traditional risk scoring methods that look only at past payments and balances of credit accounts as a proxy for future risk.

By looking beyond a credit score, Edge provides insight into financial activities and behaviors that are empirically proven to be much more predictive of creditworthiness for these consumers.

In turn, our customers can confidently extend credit to many of those consumers often otherwise overlooked.

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Cash flow data is more predictive

The daily activity and balances in consumers’ checking and savings accounts provide a more complete, current view of their ability and willingness to make loan payments.

Particularly for the millions of consumers with Vantage and FICO scores below prime, cash flow underwriting is the standard to assess true risk.

With Edge, lenders see cash flow behaviors in the context of industry-wide risk and can make better informed underwriting decisions.

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