CASH FLOW UNDERWRITING
Turn raw bank data into decision-ready cash flow insights
Instantly verify income and affordability with real-time bank data, enriched spending insights, and underwriting-ready metrics so you can approve the right borrowers faster and reduce risk.
Decision-ready data, automated
Replace manual bank statement reviews with automation that categorizes account activity, identifies employment misrepresentation, and takes the guesswork out of your knockout rules.
Detect more fraud, identify more risk
Ensure applicants are who they say they are with flags for suspicious activity like short account history, cash-heavy activity, and income misrepresentation.
Capacity to pay, measured
Measure your applicants’ true capacity to pay beyond traditional ratios, based on real spending behaviour and supported by custom risk models. Learn more about our custom Risk Scores.
How it works
Step 1: Applicant connects their bank account
User completes secure bank verification during the underwriting/document stage.
Step 2: Inverite retrieves and enriches bank transaction data
Income and spending data is categorized and summarized into underwriting-friendly outputs.
Step 3: Automatically validate income and employment stability
Confirm payroll deposits, identify additional income sources (e.g., benefits/secondary income), and detect changes or gaps that may indicate instability.
Step 4: Calculate affordability using real cash flow
Quantify recurring payments and spending habits to estimate true free cash flow and capacity-to-pay (not just limited ratio inputs).
Step 5: Apply automated knockout rules + risk flags
Use metrics like NSFs, overdraft frequency, account age, high-risk patterns, etc. to quickly stop non-qualifying files early. You can also use Inverite’s risk score to quantify risk, including inputs like spending behaviour.
Step 6: Identify synthetic accounts
Automatically detect synthetic accounts by detecting suspicious activity such as short account history and frequent account deposits and withdrawals.
“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.”
– Faraz Rahman, CTO, Digital Pipeline & Inverite client since 2021
