Underwrite the 45 million Americans FICO can't see
Cash-flow decisioning APIs for lenders serving thin-file and credit-invisible borrowers. 24-month velocity signals. Embeds in minutes.
From transaction data to credit decision in one API call
Lendiro sits between your bank data source and your loan origination system, extracting cash-flow signals that FICO misses entirely.
Connect your data source
Your lender system passes bank transaction data — via Plaid, MX, Finicity, or direct feed — to the Lendiro API endpoint.
Lendiro extracts cash-flow signals
Our model analyzes 24 months of transaction history for velocity, consistency, coverage, and payment reliability — the signals FICO cannot see.
Decision score + reason codes returned
Your LOS receives a decisioning score and Regulation B–compliant adverse action reason codes, ready for your underwriter's review.
Four signal categories FICO ignores
Each signal captures a dimension of financial behavior that traditional scores structurally cannot measure.
Income Consistency
Recurring inflow patterns over 24 months. Gig workers and seasonal earners with consistent aggregate income score well here — patterns FICO's trade-line model misses entirely.
Expense Discipline
Fixed-obligation coverage ratio: does this borrower consistently cover rent, utilities, and recurring obligations relative to income? A strong predictor of loan performance.
Liquidity Cushion
Average minimum balance between paydays. A thin but persistent cushion signals financial resilience — the kind of buffer that predicts ability to handle unexpected expenses.
Payment Reliability
Recurring outflow streak without NSF events. Rent paid consistently. Subscriptions maintained. Utilities never interrupted. This streak is a behavioral reliability signal with strong predictive power.
Decisioning infrastructure, not a consumer product
Lendiro is built for lending product teams, underwriting managers, and CROs — not for borrowers. You remain in control of every decision.
Expand your addressable market
Reach the 45 million Americans your current FICO-gated policy cannot touch. Open a new loan portfolio segment without changing your risk appetite — change your signal set.
Maintain portfolio quality
Cash-flow underwritten thin-file loans show comparable charge-off rates to FICO-underwritten near-prime portfolios — with different risk drivers that your underwriting team can monitor.
Meet ECOA obligations
Every decision includes Regulation B–mapped adverse action reason codes in plain English. Designed to help your compliance team fulfill ECOA adverse action notice requirements.
What lenders say about cash-flow underwriting
"We've been turning away qualified borrowers for years because our underwriting policy only accepted FICO 640+. After piloting cash-flow decisioning, we saw that a meaningful share of our 'declined' population had 18+ months of consistent rent and utility payments. The signal was there — we just didn't have the infrastructure to read it."
"The compliance architecture was the deciding factor for us. We needed adverse action reason codes that our compliance team could map to existing Reg B notices without a custom buildout. Lendiro's API response structure made that straightforward to implement."
Ready to underwrite more borrowers?
Talk to the team about your lending use case. Community lenders, fintech lenders, and CDFIs — we evaluate fit together.
Or email us directly: [email protected]