SEE BEYOND THE NUMBERS

Understand the Full Picture with CashFlow+™

Incomplete data and inaccurate insights can lead to missed opportunities and increased risk. CashFlow+™ addresses these challenges by delivering a complete, multi-dimensional view of a consumer’s financial health.

From banking data to aggregated income sources, cashflow analysis, and payment behavior, lenders gain the clarity they need to make smarter, more secure lending decisions.

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THE TRUST SCIENCE DIFFERENCE

Why Choose CashFlow+™?

Trust is at the core of every lending relationship. CashFlow+™ empowers lenders to make well-informed, data-rich decisions while building bridges with borrowers. With a secure, transparent approach, our platform delivers reliable insights that reduce uncertainty, helping you focus on creating opportunities.

Income Verification

Get a complete picture of income across all sources. Lenders can verify earnings, evaluates stability, and ensure they know exactly what’s coming in.

Cashflow Analysis

Track spending patterns, payment habits, and net cashflow to assess financial health and spot risks before they arise.

Banking Transaction Data

Access insights from aggregated banking data. View trends across multiple accounts to uncover detailed financial behaviors that traditional methods might miss.

Document Verification

Instantly confirm the authenticity of bank statements, pay stubs, and government benefit statements to build trust and reduce risk. Coming soon!

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Instant Bank Verification

Provide assurance of account ownership, account history, reinforcing your Know Your Customer (KYC) and Identify Verification (IDV). Our banking platform validates critical information from banking data, reducing the risk of fraud and reduces friction for a positive experience.

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Income Verification

Income and Employment data is amongst the most determinant when evaluating an applicant’s creditworthiness and their probability of default. Quickly verify income sources, types and stability with CashFlow+™.

With accurate, timely and verified income and employment data (VOIE), lenders can make the best underwriting decisions, ensuring they offer their customers the best products while managing their portfolio risk. 

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Cash Flow Underwriting

With CashFlow+™, you can leverage up to two years of historical, categorized transactional data from hundreds of North American banks, credit unions and other financial institutions.
 
Get further details of transactional data to provide valuable insight into an applicant’s earnings, spending habits and debt obligations. 

 
REQUEST A DEMO

Smart Consent™

Smart Consent™ is a digital platform with a mobile and web interface where applicants can provide consent for a banking data pull from the comfort of home, at any time. We have full support for 10,000+ North American banks, and all the applicant needs is their login credentials for their bank. 

Easily integrate Smart Consent™ into your existing application process or applicants can be directed via an email.

REQUEST A DEMO
Instant-Bank-Verification-Section-1

Instant Bank Verification

Provide assurance of account ownership, account history, reinforcing your Know Your Customer (KYC) and Identify Verification (IDV). Our banking platform validates critical information from banking data, reducing the risk of fraud and reduces friction for a positive experience.

REQUEST A DEMO
Income-Verification-Section-1

Income Verification

Income and Employment data is amongst the most determinant when evaluating an applicant’s creditworthiness and their probability of default. Quickly verify income sources, types and stability with CashFlow+™.

With accurate, timely and verified income and employment data (VOIE), lenders can make the best underwriting decisions, ensuring they offer their customers the best products while managing their portfolio risk. 

REQUEST A DEMO
Categorized-Transactions-Section-3

Cash Flow Underwriting

With CashFlow+™, you can leverage up to two years of historical, categorized transactional data from hundreds of North American banks, credit unions and other financial institutions.
 
Get further details of transactional data to provide valuable insight into an applicant’s earnings, spending habits and debt obligations. 

 
REQUEST A DEMO
Smart-Consent-Section-2048x2048

Smart Consent™

Smart Consent™ is a digital platform with a mobile and web interface where applicants can provide consent for a banking data pull from the comfort of home, at any time. We have full support for 10,000+ North American banks, and all the applicant needs is their login credentials for their bank. 

Easily integrate Smart Consent™ into your existing application process or applicants can be directed via an email.

REQUEST A DEMO

Access Multi-Dimensional Financial Insights

Lenders today need more than outdated data and incomplete credit scores. CashFlow+™ equips them with modern tools that help them see what others miss by allowing them to go deeper, spot patterns, and assess risk with precision.

  • · Remove Blind Spots: Gain a 360° view of borrowers' financial behaviors.
  • · Build Smarter Portfolios: Make data-driven decisions with confidence.
  • · Reduce Risk: Identify financial instability before it becomes a problem.

Lenders access robust financial insights so they can make fair, informed decisions without compromising efficiency.

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Trusted by Industry Leaders

Join a growing number of lending institutions redefining how financial health is evaluated by leveraging cutting-edge AI/ML modeling and alternative data with CashFlow+™

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Discover More Qualified Borrowers While Reducing Default Rates

Your next best borrower is waiting to be discovered. Don’t rely solely on incomplete credit scores. Start making data-driven lending decisions today with the power of CashFlow+™.

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

1(866) 687-8789

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