Go Beyond the Credit Score. Understand the Full Picture with CashFlow+™

CashFlow+™ gives you a complete financial picture of your applicants. By analyzing banking data, income streams, and cash flow patterns, you can reduce risk and approve more loans with confidence.

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Your Biggest Challenge: Incomplete Applicant Data

Relying on traditional income checks and credit scores alone means you're working with blind spots. This limited view overlooks crucial aspects of an applicant's true financial responsibility, leading to missed opportunities and increased default risk.

Our Solution: The Complete Financial Picture

CashFlow+™ removes the blind spots. We go beyond a simple credit pull to provide a holistic view of an applicant's financial health. By integrating real-time banking data, we help you truly understand your borrower, allowing you to adjudicate loans faster and more accurately.

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Simple for Them, Powerful for You: The 3-Step Smart Consent™ Process

Our process is designed to be seamless for your applicants and integrates directly into your workflow.

Step 1: Applicant Gives Consent

The applicant receives a link to our secure Smart Consent™ platform via email SMS, or as part of your existing online application. They can access it 24/7 from any internet connected device to authorize a bank data pull.

Step 2: We Securely Analyze the Data

We instantly connect to the applicant's financial institution and gather one to two years of categorized transaction data. Our system analyzes income sources, spending habits, cash flow trends, and more.

Step 3: You Receive Actionable Insights

You receive a powerful suite of banking attributes and a clear analysis of the applicant's financial stability. This allows you to validate application data, reduce fraud, and make smarter lending decisions.

Everything You Need to Verify and Decide with Confidence

CashFlow+™ combines multiple data sources into one comprehensive analysis.

 

Income & Employment Verification (VOIE)

Get an aggregated view of all income. We provide insight into the source, stability, frequency, and consistency of your applicant's income. This can be used to validate stated income and evaluate its stability.

Cash Flow Analysis

Assess how a consumer manages their payments and net cash flow. Understand their financial habits and behaviors to get a true sense of their financial responsibility.

Bank Transaction Data & Verification (IBV)

Receive up to two years of categorized transaction data from hundreds of North American banks and credit unions. Instantly verify account details like owner name, address, account type, and balance to reduce fraud.

(Coming Soon)

Document Verification

A future-ready feature to instantly verify documents like bank statements, pay stubs, and government benefit statements.

Built on a Foundation of Trust and Innovation

Your security and your customers' privacy are our top priorities.

  • · Patented Technology:
    • - Our systems are backed by over 70 patents granted in more than 12 countries.
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  • · Secure Consent Process:
    • - Our Smart Consent™ platform provides a secure, applicant-driven process for data sharing that builds trust.
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  • · Secure & Compliant:
    • - Trust Science prioritizes security, privacy, and compliance by using industry-leading measures that meet or exceed legal and regulatory standards. Our Information Security Management System (ISMS) adheres to ISO 27001 standards, ensuring a structured and comprehensive approach to information security. In addition, Trust Science is SOC 2 Type 2 certified across all 5 Trust Criteria with no exceptions, demonstrating our strong commitment to data protection.
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Ready to Remove the Blind Spots?

Stop making decisions with incomplete data. See the full financial picture and start lending with greater accuracy and confidence. Request a consultation today to learn how CashFlow+™ can transform your loan decisioning.

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10130 103 Street, Floor 11
Edmonton, AB Canada T5J 3N9

1(866) 687-8789

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