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.
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
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.
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
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.
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.
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.
Your Security and Your
Customers' Privacy Come First
Every capability in CashFlow+™ is built on an industry-leading foundation of security, compliance, and innovation.
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.
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 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.
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.
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.
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.
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.
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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.
