Underwriting & Pricing Guidance
Markets shift. Borrowers adapt. Spreadsheets don’t.
We build pricing engines that breathe — live, adaptive models tuned to real-world inputs: cash flow, velocity, seasonality, renewal likelihood. No black boxes. No guesswork. Just clean, defensible logic you can stand behind.
SMARTER UNDERWRITING
Most underwriting is one-size-fits-all rates, lagging risk signals, and reactive policies. We fix all three.
Cash Flow Over Credit
We track how money actually moves — through bank feeds, transaction cadence, and merchant stability. Credit is a reference point, not the decision.
Pricing That Scales
Tiered rates by risk band and renewal probability. Charge 1.18 on a proven merchant, 1.45 on a new one. The system adapts automatically.
Built for Accountability
Every model is transparent, traceable, and export-ready. Designed for clarity from the first data point to the final report.
OUR OUTCOMES
Sharper models. Cleaner portfolios. Measurable lift across every layer of your underwriting stack.
01
Portfolio Risk Clarity
Live visibility into exposure by region, product, and cohort.
02
Tighter spreads
Without higher defaults — better segmentation drives better pricing.
03
Faster approvals
Down from days to hours, built on structured decision flows.
04
Underwriting variance cut by 40%
Models stay aligned across teams and time.
05
Institutional readiness
Frameworks strong enough for capital partners and audits alike.