Offer #44710 - cash score

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What is Cash Score and How Does it Work?

Cash Score is a financial assessment tool developed by Prism Data that automates cash flow underwriting. It uses real-time financial transaction history to assess credit risk and provide lenders with a more comprehensive view of an applicant's financial health.

Understanding Cash Score

Cash Score leverages thousands of financial data points that are missing from traditional credit reports. It takes into account key financial factors such as income, assets, expenses, volatility, and ability-to-pay. By analyzing these factors, Cash Score provides lenders with a more accurate assessment of an applicant's creditworthiness.

The Benefits of Cash Score

One of the main benefits of Cash Score is its ability to approve or decline credit applications based on a more holistic view of an applicant's financial situation. It can be used on its own or in conjunction with traditional credit models and scores to make better credit decisions.

Additionally, Cash Score is built on consortium data sets of millions of records, covering a wide range of products, lenders, and credit profiles. This extensive data set allows for more accurate risk assessment and can help lenders increase the number of approved loans without increasing risk or reduce the number of defaults in their portfolio.

How to Use Cash Score

To use Cash Score, lenders can integrate it into their underwriting process. It can be used to analyze deposit account activity and identify borrowers who may be better credit risks than their credit histories suggest. By incorporating Cash Score into their decision-making process, lenders can make more informed and accurate credit decisions.

The Future of Cash Flow Underwriting

Cash flow underwriting, like Cash Score, is becoming increasingly important in the lending industry. Traditional credit reports often fail to provide a complete picture of an applicant's financial health, especially for those with little to no traditional credit history. Cash flow underwriting fills this gap by analyzing real-time financial transaction data and providing lenders with a more accurate assessment of creditworthiness.

As the industry continues to evolve, tools like Cash Score will play a crucial role in expanding credit access and making better credit decisions. By leveraging the power of real-time financial data, lenders can better serve consumers and SMBs and ensure that credit decisions are based on a comprehensive understanding of an applicant's financial situation.

Overall, Cash Score by Prism Data is revolutionizing the way lenders assess credit risk. By automating cash flow underwriting and providing a more comprehensive view of an applicant's financial health, Cash Score helps lenders make better credit decisions and expand credit access to a wider range of borrowers.

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Released on Saturday 22 February 2025 - Total : $0 - Past 30 days : $0 (1st tier : 50% - 2nd tier : 0%)

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