RISK SCORE
CASH FLOW RISK SCORING FOR LENDERS
Make faster, defensible lending decisions using real bank data
Risk Score turns verified bank data into a clear risk signal so you can predict an applicant’s likelihood to default, automate decisioning, scale originations, and stay in control of loss rates.
Use the predictive power of bank data to understand repayment risk before you fund. Score applicants consistently, automate approvals, and keep default rates low.
Automate decisioning with clear risk buckets
Turn bank transactions into a score you can use to approve, decline, or route to review.
Tune the model to your portfolio
Use an out-of-box score or tailor it to your performance data and your definition of default.
Defensible decisions for risk, compliance, and governance
Support faster decisions with traceable rationale, useful for internal review and regulator-ready documentation.
Scores fit for your lending flow
Risk Score is a lending risk signal created from verified bank transaction data and Inverite’s enrichment. Here’s how:
Based on real data
- Runs on verified bank transaction data (via Bank Verify or existing bank data pipelines).
- Enriches transactions into income/spend metrics and cash flow patterns before scoring.
- Returns a risk score you can use for automated decisioning or routing.
Tuned to your needs
- Supports out-of-box scoring or portfolio-specific customization.
- Can be tuned based on the amount of bank history available (e.g., ~3 months vs ~1 year).
- Can be aligned to different default objectives (e.g., early default / 30–90 day risk)
Real world scenarios:
Check out our Loan Decisioning and Cash Flow Underwriting use cases for real-world uses of the Risk Score and a top Canadian alternative lender case study, where defaults dropped by ~40% in a live A/B test.
Customize Risk Score to your portfolio
1: Discovery
Align on your credit policy, default definition, and success metrics
2: Data review
Provide performance data and sample outcomes to calibrate the model.
3: Model build
We tune the score to your objectives using bank-data-driven signals.
4: Validation
Review results and decision thresholds with your team.
5: Deploy & optimize
Integrate into production and refine over time
Talk to an expert and build your custom model
Who is Risk Score for?
Teams that need accurate, bank-verified cash-flow risk signals that go beyond bureau data.
Consumer lenders
Automate approvals and improve early-default control
Fintech credit teams
Scale decisioning while keeping governance tight
Automotive finance
Faster underwriting with cash flow-based signals
Proven in production
A top Canadian alternative lender uses Inverite’s Risk Score at scale.
- 180,000 applications per year
- $30M in annual originations
- ~40% reduction in defaults
Results from a controlled A/B test using the lender’s own default definitions.
“Inverite’s IBV, IDV, and Risk Score products have become essential tools for my clients, consistently outperforming competitors with significantly higher instant bank verification success rates along with the coverage of financial institutions. These solutions have accelerated decisioning, improved risk accuracy, and delivered measurable ROI across lending operations.
Just as important, Inverite’s team has been transparent, responsive, and highly adaptable to our clients’ evolving needs—making them a standout partner in the fintech space.”
