Lending
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the problem
Cash-flow underwriting has yet to reach mainstream because what looks good on paper fails to deliver in practice - consumers only reveal a slice of their financial lives making the data next to useless for underwriters.
the solution
Unlock the promise of cash-flow underwriting with Cygnt’s holistic financial passports. Complement credit scores with real-time financial behavior to not only uncover otherwise missed opportunities, but also treat consumers fairly.
key benefits
- Fair: Build offers based on clean financial attributes.
- Actionable: Build, test, evaluate, learn, repeat.
- Signals only: Receive only the signals you need, and avoid the headache associated with handling personal and private information.
- Easy: Simple to embed into your existing UX and underwriting stack.
- Comprehensive: Trust your data when knowing it encompasses your customer’s entire financial life.
- Dynamic: Avoid delinquencies by tweaking repayment during known temporary cash flow crunches.
