AI Credit Decisioning API

Approve the borrowers FICO can't score

Lendiro reads 24 months of cash-flow velocity and transaction patterns to credit-decision thin-file applicants in real time. Built for digital lenders and neobanks turning away 40% of creditworthy applicants.

Request API Access See the Model

<1s Median decision
latency

24mo Cash-flow
lookback

45M Thin-file Americans
now scoreable

{
  "applicant_id": "app_7f3a9c2b",
  "cash_flow_score": 742,
  "decision": "APPROVED",
  "confidence_band": "high",
  "lookback_months": 24,
  "primary_factors": [
    "recurring_payment_consistency",
    "inflow_velocity_trend",
    "low_overdraft_frequency"
  ],
  "latency_ms": 847
}

Decision returned in 847ms — production API

40%

of applicants declined aren't credit risks — they're credit invisible

45M

Americans have no FICO score — not because they can't repay, but because they haven't used the credit products FICO was designed to track.

0mo

Bureau models trained on credit history they don't have. A pristine bank account with 24 months of on-time rent and consistent income registers as zero months of credit history.

Neobanks and BNPL platforms bear the revenue cost — declining applicants who would outperform bureau-scored peers by 2x on repayment consistency.

Cash-flow velocity

Rate of change in monthly inflows and outflows over 24 months. Rising velocity with low variance is the strongest leading indicator of repayment capacity.

Recurring payment consistency

Cadence and regularity of recurring obligations — rent, subscriptions, utilities. Consistent timing signals financial discipline that bureau models can't see.

Transaction graph features

Graph-structural features of the borrower's transaction network — counterparty diversity, payment centrality, merchant category mix — revealing economic stability signals.

Request

{
  "applicant_id": "app_7f3a9c2b",
  "bank_data_token": "tok_ob_8xKp...",
  "lookback_months": 24,
  "requested_amount": 2500
}

Response — 847ms

{
  "decision": "APPROVED",
  "lendiro_score": 742,
  "confidence_band": "high",
  "primary_factors": [...],
  "adverse_action_codes": []
}

<1s Median decision latency

99.4% API uptime

24mo Cash-flow lookback window

BNPL Platforms

Score first-time buyers with zero credit history

BNPL's highest-value customer cohort — young earners and recent immigrants — looks like a blank slate to bureau models. Lendiro reads their bank account instead. Approve the ones worth approving, decline the ones who will default, in real time at checkout.

"We were declining 37% of our best-performing customer segment. One integration and that cohort is now our lowest default rate." — Head of Credit Risk, digital lending platform

Neobanks

Expand credit lines for deposit-active customers

Your most loyal depositors have 24 months of transaction history sitting in your database. Lendiro converts that history into a credit decision without a bureau pull.

Digital Lenders

Reduce false declines on thin-file applicants

Augment your existing bureau stack. Run Lendiro as a second-look model on thin-file declines and capture the revenue you're currently sending to competitors.

"Integration took three days. The first week in production we approved 22% of applications we'd previously declined. Default rate on that cohort at 90 days is lower than our bureau-scored baseline."

VP Product Neobank, 500K active accounts

"We evaluated three alternative data vendors. Lendiro was the only one that could explain exactly which cash-flow features drove each decision — that explainability is non-negotiable for our compliance team."

Head of Credit Risk Digital lending platform

Your next creditworthy borrower is waiting.

Reach out to [email protected] or fill in 90 seconds.

Request API Access

Approve the borrowers FICO can't score

We read what banks already record