Community banks using legacy FICO scorecards decline 40–55% of SMB applications from borrowers who can actually repay. Creditfern's cash flow engine analyzes 12–24 months of business bank account history to give loan officers a credit score calibrated to their market—cutting decisions from 18 days to 4 minutes.
Credit decisions returned within 4 minutes of application submission, versus 12–18 days by traditional review.
Community banks using legacy scorecards decline 35–55% of SMB applications from borrowers who can actually repay.
Over 80 transaction-level features extracted from 12–24 months of business bank account history per application.
Creditfern ingests up to 24 months of business account data to surface cash flow patterns FICO scores miss.
Creditfern covers the full decisioning workflow—from cash flow ingestion to compliance reporting—within the loan officer's existing system.
12–24 months of business bank transaction history analyzed to surface creditworthy SMB borrowers FICO misses.
Direct integration with Fiserv, Jack Henry, and FIS core systems — no new banker workflow required.
Credit thresholds trained on each community bank's own historical SMB loan performance, not industry averages.
Automated loan file documentation written in plain English for compliance, examiner review, and borrower communication.
Built-in Community Reinvestment Act tracking and fair lending disparity monitoring across SMB applications.
Side-by-side view of Creditfern cash flow score, traditional FICO, and historical comparable loans for each application.
Creditfern integrates into your loan origination system so the workflow stays familiar while the decisioning gets smarter.
Loan application details, EIN, and requested amount enter through your existing loan origination system or Creditfern's embedded widget, alongside applicant-authorized bank account transaction history via Fiserv or FIS core integration.
Creditfern's engine ingests 12–24 months of business transaction history and extracts features—revenue consistency, payroll regularity, overdraft frequency, and supplier payment timing—then combines them with bureau data calibrated to your portfolio.
Within 4 minutes, loan officers receive an approve, counter-offer, or decline recommendation with a plain-language narrative explaining the key factors and a risk-tiered pricing suggestion based on your rate sheet.
Creditfern integrates with Fiserv DNA, Jack Henry Symitar, FIS Profile, Finastra, Plaid, Experian Business, and Equifax Business—returning structured decision data to your existing workflow without manual re-entry.
