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68% of declined thin-file applicants show 18+ months of consistent bill payment

Community lenders serving the borrowers FICO overlooks

Community banks and credit unions carry a mission to serve their communities. Cash-flow decisioning APIs let you fulfill that mission without relaxing your underwriting rigor.

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The Challenge

Community lenders face a real tension

Your community includes gig workers, recent immigrants, young adults, and cash earners — people who look like credit risks on paper but are paying rent, utilities, and groceries reliably every month.

FICO gates out your mission population
Thin-file applicants below your minimum score threshold get declined automatically — even when their actual financial behavior suggests creditworthiness.
Manual review doesn't scale
Asking underwriters to manually review thin-file applications is expensive and inconsistent. You need a systematic signal, not a judgment call per loan.
Compliance risk with alternative data
Using alternative data without ECOA-compliant adverse action reason codes creates regulatory exposure. Your examiners will ask how you document decisions.

What Lendiro provides

  • A systematic cash-flow signal that works alongside or instead of FICO for thin-file applicants
  • Regulation B–compliant adverse action reason codes in every decision response
  • Decision audit logs ready for examination by FDIC, OCC, or NCUA examiners
  • Per-decision pricing that works at community bank volumes (no monthly platform minimums at Starter tier)
How It Fits

Add a cash-flow layer, keep your underwriting policy

Lendiro doesn't replace your underwriting policy — it adds a new input channel for applications that currently fall outside your FICO threshold.

Configurable score bands

Define your own approval, review, and decline thresholds for the cash-flow score — your risk appetite, your policy. Lendiro provides the signal.

LOS integration in minutes

REST API with standard JSON. Works with any loan origination system that can make an HTTP call. No custom infrastructure required.

Examination-ready documentation

Every decision logged with signal weights, reason codes, and applicant reference. Export for regulatory examination in structured format.

Workflow

How a community lender uses Lendiro

01
Applicant provides bank access
During your existing application flow, applicant authorizes transaction data access via Plaid or equivalent. Same consent you'd use for income verification.
02
Your LOS calls the Lendiro API
A single POST request to /v1/decisions with the normalized transaction payload.
03
Decision returned synchronously
Score, recommendation, reason codes, and signal breakdown in the response body. Typically <800ms. Your LOS displays the result in the underwriter's queue.
04
Underwriter reviews and decides
You remain in full control of the credit decision. The Lendiro score is a structured input, not an automated outcome. Your underwriter applies your policy.

Discuss your lending use case

Community banks and credit unions under $1B in assets are our Community tier — no platform minimum, $0.12 per decision. Let's talk about your thin-file population size and pilot approach.

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Email us: [email protected]