Predictive intelligence built by lenders for lenders

NinjaEdge is an end-to-end platform that brings together access to bank transaction data, risk analytics, and performance-optimized insights for immediate actionability in decision-making.

Building on legacy of innovation in data-driven digital lending spanning two decades, our solutions are uniquely designed around lenders' needs to drive immediate top- and bottom-line impact.

NinjaEdge solutions are grounded in real-world lending experience.

Our risk features (or attributes) don't stop at the analytics bench and are instead curated for proven value in consumer credit underwriting.

And our risk score is calibrated on loan performance across our customer base for greater predictive value in your own risk decisions.

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