Assess small business creditworthiness from bank transactions alone. No financial statements. No credit history. Just the cash flow truth.
Built on peer-reviewed research. Designed for credit unions and community banks.
Upload bank transactions and receive a credit decision in seconds. Our ML pipeline extracts 47 features and scores in real-time.
Revenue patterns, expense behavior, cash position, behavioral signals, and derived ratios — each capturing distinct dimensions of creditworthiness.
Four-Fifths Rule monitoring, no demographic inputs, proxy variable testing. ECOA-compliant adverse action codes generated automatically.
Every score includes the top factors driving the decision — positive and negative — mapped to plain-English reasons your loan officers understand.
Real-time dashboards showing risk tier distribution, origination trends, approval rates, and early warning signals across your entire book.
REST API with sub-200ms response times. Integrate with your LOS, core banking system, or member-facing application in days, not months.
Business links bank accounts via Plaid or uploads 12–18 months of transaction data (CSV, OFX, QFX).
Our pipeline categorizes transactions and extracts 47 features across revenue, expenses, cash position, behavior, and derived ratios.
XGBoost ensemble model scores the business on a 0–100 scale. Probability-calibrated output enables risk-based pricing.
Loan officer receives score, risk tier, key factors, recommended terms, and ECOA-compliant adverse action codes if declined.
All four models converge at AUC ~0.86, proving the signal lives in the features, not the algorithm. Even simple logistic regression matches complex ensembles.
No commitment. Validate on your own data before scaling.
Validate with your own data
For active lending programs
For large portfolios
CashFlow IQ implements methodology from peer-reviewed research on cash flow-based credit scoring, calibrated against data from 600,000+ real businesses.
10,000 businesses 5.2M transactions
JPMorgan Chase Inst. Fed Reserve SBCS SBA 7(a) FOIA
5-fold cross-validation Fair lending tested Calibration verified
Join the community lenders bringing cash flow intelligence to small business lending.