---
title: CashFlow+™ | Trust Science
description: CashFlow+™ addresses these challenges by delivering a complete, multi-dimensional view of a consumer’s financial health.
---
[.jpg)](https://trustscience.com)
- Solutions
- [Credit Bureau+™](https://trustscience.com/credit-bureau)
- [T°Score™](https://trustscience.com/t-score)
- [CashFlow+™](https://trustscience.com/cashflow)
- [Services](https://trustscience.com/services)
- Industries
- [Auto Lenders](https://trustscience.com/auto-lenders)
- [Installment & Single Repayment Lenders](https://trustscience.com/installment-single-repayment-models)
- Company
- [About Us](https://trustscience.com/about)
- [Our Team](https://trustscience.com/team)
- [Press Releases](https://trustscience.com/blog/tag/press-releases)
- [Careers & Culture](https://trustscience.com/careers)
- [Patents](https://trustscience.com/technology-patents)
- [Resources](https://trustscience.com/resources)
- [Marketing Channel Partners](https://trustscience.com/partners)
- [News & Blog](https://trustscience.com/blog)
- [Events](https://trustscience.com/events)
- [Gartner Research](https://trustscience.com/resources/gartner-research-mentions)
- Support
- [Consumer Disclosure](https://trustscience.com/legal/consumer)
- [Consumer Resources](https://trustscience.com/legal/help-page)
[CONTACT US](https://trustscience.com/contact) [REQUEST A DEMO](https://trustscience.com/demo)
CashFlow+™ — Real Income Intelligence | Trust Science
# See Beyond the Numbers. *Truly Understand Your Borrower.*
Gain a richer, more accurate understanding of consumer risk with CashFlow+™. By integrating banking data, various income streams, cash flow patterns, and debt obligations, it surpasses traditional income checks to provide a complete financial picture.
[Request a Demo](https://trustscience.com/demo) [See What We Deliver](https://trustscience.com/cashflow#modules)
✓ 80+ Patents, 13 Countries
✓ SOC 2 Type II Compliant
Scroll
The Problem
## Traditional Income Checks Leave *Critical Blind Spots*
Assessments based solely on paystubs and credit bureau scores provide an incomplete view of financial health, as they lack the predictive indicators necessary to accurately gauge repayment ability and mitigate fraud risk.
What traditional income checks leave unresolved:
- Bureau scores can't show actual income or spending behavior
- Manual income verification is slow, costly, and easy to forge
- Gig workers and non-traditional earners are systematically under-scored
- Cash flow instability is invisible until after a default
- No real-time view of financial stress or overdraft patterns
- Fraud via account manipulation goes undetected with static data
[See the Solution](https://trustscience.com/cashflow#modules)
The Solution
## Remove the Blind Spots. *See the Full Picture.*
CashFlow+™ integrates bank transactions and cash flow analysis with income data to deliver the comprehensive perspective required for a precise evaluation of a consumer's financial habits — going far beyond what paystubs alone can reveal.
💼
VOIE
### Income & Employment Verification
Get an aggregated, real-time view of all income sources. CashFlow+™ provides insight into the source, stability, frequency, and consistency of your applicant's income — allowing you to validate stated income and assess whether it's sustainable for the loan term.
📈
Cash Flow Analysis
### Cash Flow Analysis
Assess how an applicant manages their payments and net cash flow over time. Understand their real-world financial habits and behavioral patterns to build a true picture of financial responsibility — not just a snapshot score.
🏦
IBV
### Bank Transaction Data & Verification
Receive up to two years of categorized transaction data from hundreds of North American banks and credit unions. Instantly verify account details including owner name, address, account type, and balance — significantly reducing fraud exposure.
Smart Consent™ Process
## Simple for Them. *Powerful for You.*
Our Smart Consent™ platform creates a frictionless experience for applicants while delivering instant, bank-grade data to your team. No manual steps. No delays. No forgeries.
1
Applicant
### Applicant Gives Consent
The applicant receives a secure link to our Smart Consent™ platform via email, SMS, or embedded in your existing application. Accessible 24/7 from any internet-connected device, they authorize a bank data pull in seconds with no paperwork, no calls, or friction.
2
Platform
### 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, overdraft patterns, and more. All in real time.
3
Lender
### You Receive Actionable Insights
You receive a comprehensive suite of banking attributes and a clear analysis of the applicant's financial stability. Validate application data, identify fraud risk, and make smarter, faster lending decisions from one integrated decisioning view.
The Complete Picture
## See the Full Financial Story. *No Guesswork.*
By incorporating real-time banking insights, CashFlow+™ eliminates the limitations of conventional income verification. Our solution provides a deep understanding of borrower behavior, empowering you to process loans with greater speed, precision, and a level of certainty that goes far beyond what a standard credit score can offer.
💰
#### Validate Income Instantly
Cross-reference stated income against actual bank deposits and transaction patterns in real time.
🎯
#### Score What Traditional Bureaus Miss
Gig workers, recent immigrants, and thin-file applicants can now be evaluated on real financial behavior.
🛡️
#### Detect Fraud Before It Costs You
Identify account manipulation, synthetic identity fraud, loan stacking, and other behavioral red flags — before they reach your portfolio.
[Request a Demo](https://trustscience.com/demo)
Built on a Foundation of Trust
## Your Security and Your *Customers' Privacy Come First*
Every capability in CashFlow+™ is built on an industry-leading foundation of security, compliance, and innovation.
80+
### Patented Technology
Our systems are backed by more than 80 patents granted in over 13 countries, representing years of foundational IP in credit intelligence, data analysis, and financial scoring.
SOC 2
### Secure & Fully Compliant
Trust Science is SOC 2 Type II certified across all five Trust Criteria with no exceptions. Our Information Security Management System adheres to ISO 27001 standards, ensuring industry-leading data protection at every layer.
Smart
### Smart Consent™ Platform
Our proprietary Smart Consent™ platform provides a transparent, applicant-driven process for data sharing, giving consumers control while providing lenders with the rich data needed to make confident decisions.
Complete the Platform
## Pair With the Full *Intelligence Suite*
CashFlow+™ is even more powerful when layered on top of Trust Science's credit bureau and AI scoring products.
### [Credit Bureau+™ The Complete Borrower Picture. In Real Time. Combine CashFlow+™ bank data with Credit Bureau+™'s real-time multi-source credit intelligence for the most comprehensive applicant view in the industry.  Learn about Credit Bureau+™](https://trustscience.com/credit-bureau)
### [T°Score™ The Score That Sees More. Layer T°Score™'s patented AI scoring on top of your CashFlow+™ insights to surface Invisible Prime™ borrowers — and approve more qualified applicants without increasing risk.  Learn about T°Score™](https://trustscience.com/t-score)
Eliminate the Blind Spots
## Unlock True *Financial Clarity.*
Stop making lending decisions with incomplete data. CashFlow+™ gives you the full financial picture — verified income, real cash flow patterns, and bank-grade fraud signals — so you can lend with greater accuracy and confidence from day one.
[Request a Demo](https://trustscience.com/demo) [Contact Us](https://trustscience.com/contact)
# 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.
[REQUEST A DEMO](https://trustscience.com/demo)
.png?width=537&height=660&name=CashFlow+TM%20(1).png "Smart Consent Bank App Screen")
### 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.
.png "Group 21 (2)")
## 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.
-
- **· Secure Consent Process:**
- - Our Smart Consent™ platform provides a secure, applicant-driven process for data sharing that builds trust.
-
- **· 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.
[REQUEST A DEMO](https://trustscience.com/demo)
.png?width=1391&height=932&name=Group%202%20(1).png "Group 2 (1)")
[](https://trustscience.com/demo)
## 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.
[REQUEST A DEMO](https://trustscience.com/demo)
Trust Science — Footer Redesign
[](https://trustscience.com)
[10130 103 Street, Floor 11 · Edmonton, AB Canada T5J 3N9](https://maps.app.goo.gl/59cAdoUxfEKbET3g8) 1(866) 687-8789
#### Solutions
- [T°Score™](https://trustscience.com/t-score)
- [CashFlow+™](https://trustscience.com/cashflow)
- [Credit Bureau+™](https://trustscience.com/credit-bureau)
- [Services](https://trustscience.com/services)
#### Industries
- [Auto Lenders](https://trustscience.com/auto-lenders)
- [Installment & Single Repayment Lenders](https://trustscience.com/installment-single-repayment-models)
#### Company
- [About Us](https://trustscience.com/about)
- [Our Team](https://trustscience.com/team)
- [Press Releases](https://trustscience.com/blog/tag/press-releases)
- [Careers & Culture](https://trustscience.com/careers)
- [Technology & Patents](https://trustscience.com/technology-patents)
#### Resources
- [Marketing Channel Partners](https://trustscience.com/partners)
- [News & Blog](https://trustscience.com/blog)
- [Events](https://trustscience.com/events)
- [Gartner Research](https://trustscience.com/resources/gartner-research-mentions)
#### Support
- [Client Support](https://trustscience.com/contact-us/)
- [Consumer Disclosure](https://trustscience.com/legal/consumer)
- [Consumer Resources](https://trustscience.com/legal/help-page)
#### Legal
- [Privacy Policy](https://trustscience.com/privacy-policy)
- [Terms of Use](https://trustscience.com/terms-of-use)
- [Data Contribution](https://trustscience.com/data-contribution-policy)
- [Smart Consent™](https://trustscience.com/smart-consent)
[](https://trustscience.com/news/press-releases/soc2-type2) [](https://portal.us.bn.cloud.ariba.com/profile/public?anId=AN11173586953&sourceApplication=SBN)
Trust Science® is a member of the American Financial Services Association (AFSA), the Canadian Lenders Association (CLA), the National Automotive Finance Association (NAF), The Online Lenders Alliance (OLA) and the Texas Consumer Finance Association (TCFA).
Trust Science® is committed to Fair Credit Reporting Act (FCRA) compliance and helping you protect and understand your consumer profile. For more information, please see our [Consumer Disclosure Page](https://trustscience.com/legal/consumer).
Trust Science®, Credit Bureau 2.0®, Credit Bureau 3.0® and Troo® are trademarks legally registered to www.TrustScience.com Inc. by the U.S. Patent & Trademark Office.
Credit Bureau+™, T°Score™, Six°Score™, CashFlow+™, Smart Consent™, Hidden Prime™, Invisible Prime™, Credit Bureau 4.0™, Personal Credit Bureau™, Personal Data Vault™, Auto Six°Score™, Auto Bureau™, Auto Credit Bureau™, Rating Agency 2.0™, Cashflow Bureau™, One Touch Lending™, Lead to Loan™, Lender in the Cloud™, Flow°Builder™, FCRA-Compliant Insights From Lead to Loan™, Go Beyond the Bureau™, Fixing the Credit Catch-22™, Find Invisible Primes™, and Helping Lenders Find Great Borrowers™ are trademarks of www.TrustScience.com Inc.
© 2026 Trust Science Inc. — All rights reserved.
- [Privacy Policy](https://trustscience.com/privacy-policy)
- [Terms of Use](https://trustscience.com/terms-of-use)
- [Data Contribution](https://trustscience.com/data-contribution-policy)
- [Smart Consent™](https://trustscience.com/smart-consent)
- **Solutions**
- [T°Score™](https://trustscience.com/t-score)
- [CashFlow+™](https://trustscience.com/cashflow)
- [Credit Bureau+™](https://trustscience.com/credit-bureau)
- [Services](https://trustscience.com/services)
- **Industries**
- [Auto Lenders](https://trustscience.com/auto-lenders)
- [Installment & Single Payment Lenders](https://trustscience.com/installment-single-repayment-models)
- **Company**
- [About Us](https://trustscience.com/about)
- [Our Team](https://trustscience.com/team)
- [Press Releases](https://trustscience.com/blog/tag/press-releases)
- [Careers & Culture](https://trustscience.com/careers)
- [Technology & Patents](https://trustscience.com/technology-patents)
- **Resources**
- [Marketing Channel Partners](https://trustscience.com/partners)
- [News & Blog](https://trustscience.com/blog)
- [Events](https://trustscience.com/events)
- [Gartner Research](https://trustscience.com/events)
- **Support**
- [Client Support](https://trustscience.atlassian.net/servicedesk/customer/portal/5/user/login?destination=portal%2F5%2Fgroup%2F13)
- [Consumer Disclosure](https://trustscience.com/legal/consumer)
- [Consumer Resources](https://trustscience.com/legal/help-page)
10130 103 Street, Floor 11
Edmonton, AB Canada T5J 3N9
1(866) 687-8789
[Follow us on Facebook](https://www.linkedin.com/company/trust-science/?originalSubdomain=ca) [Follow us on Twitter](https://twitter.com/trustscience?lang=ena)
[](https://www.trustscience.com/news/press-releases/soc2-type2)
[](https://portal.us.bn.cloud.ariba.com/profile/public?anId=AN11173586953&sourceApplication=SBN)
Trust Science® is a member of the American Financial Services Association (AFSA), the Canadian Lenders Association (CLA), the National Automotive Finance Association (NAF), The Online Lenders Alliance (OLA) and the Texas Consumer Finance Association (TCFA).
Trust Science® is committed to Fair Credit Reporting Act (FCRA) compliance and helping you protect and understand your consumer profile. For more information, please see our [Consumer Disclosure Page](https://trustscience-6257140.hs-sites.com/legal/consumer).
Trust Science®, Credit Bureau 2.0®, Credit Bureau 3.0® and Troo® are trademarks that are legally registered to www.TrustScience.com Inc. by the U.S. Patent & Trademark Office.
Credit Bureau+™, T°Score™, Six°Score™, CashFlow+™, Smart Consent™, Hidden Prime™, Invisible Prime™, Credit Bureau 4.0™, Personal Credit Bureau™, Personal Data Vault™, Auto Six°Score™, Auto Bureau™, Auto Credit Bureau™, Rating Agency 2.0™, Cashflow Bureau™, One Touch Lending™, Lead to Loan™, Lender in the Cloud™, Flow°Builder™, FCRA-Compliant Insights From Lead to Loan™, Go Beyond the Bureau™, Fixing the Credit Catch-22™, Find Invisible Primes™, and Helping Lenders Find Great Borrowers™ are trademarks of www.TrustScience.com Inc.
© 2026 Trust Science Inc. - All rights reserved.
