Community Banks
Compete with large-bank SMB lending capabilities. Reduce manual underwriting burden. Generate documentation designed to support OCC exam readiness.
Learn moreKnow your borrower from their cash flow, not just their credit score.
Creditfern analyzes 12-24 months of bank statement data to give community banks a reliable cash flow picture for every SMB loan — so loan officers can approve the right businesses, not just the highest-scored ones.
Built for community banks
Charlotte, NC
$750K angel-backed
SMB Cash Flow Analysis — 12 Month View
Avg Monthly Revenue
$82,400
Revenue Stability
High
Recurring Revenue
74%
NSF Events
0
Recommended: Approve — strong recurring revenue, 14-month positive cash position
Built for institutions that know their communities
Community Banks
Credit Unions
CDFI Lenders
Integration partners
nCino
Abrigo
Finastra
Plaid
MX
The way SMB credit decisions are made today
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FICO scores do not capture seasonal cash flow patterns or recurring revenue — the metrics that actually predict a small business's ability to repay.
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Manual bank statement review takes 4-8 hours per application, limiting how many SMB loans a community bank can realistically underwrite per month.
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40% of viable SMB borrowers never apply because they assume denial — leaving community banks with a smaller addressable market than they deserve.
What Creditfern gives you
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12-24 month cash flow analysis in minutes — income categorization, recurring revenue identification, and volatility scoring returned automatically.
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Automated income categorization and recurring revenue identification replace manual review — loan officers review conclusions, not raw statements.
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Examiner-ready documentation generated with every decision — a structured credit narrative your OCC or NCUA examiner expects, produced automatically.
From bank statements to credit decision in minutes
A three-step workflow that fits into your existing loan origination process.
Connect
Bank data arrives via Plaid or MX direct connection, PDF statement upload, or CSV export from accounting software. Every community bank workflow supported.
Analyze
Creditfern processes 12-24 months of transaction data: identifies income categories, recurring revenue, volatility patterns, seasonal behavior, and NSF frequency.
Decide
Returns a structured credit recommendation with a cash flow score, income summary, volatility flag, and a documented narrative your examiners expect.
Two capabilities that change the underwriting conversation
Cash Flow Scoring
A numeric cash flow score alongside your FICO score
Creditfern's cash flow score (0-100) gives loan officers a complete picture alongside the bureau score. Not a replacement — a complement. Loan officers can see exactly which borrowers have strong operating cash flow that their FICO doesn't reflect.
Examiner-Ready Documentation
Every decision generates the documentation your examiners expect
Every Creditfern analysis generates a structured decision narrative designed to support OCC and NCUA examiner review. If your examiner asks how a credit decision was made, you have the audit trail — automatically, not retroactively.
Built for every type of community lender
Different institution types face different regulatory contexts. Creditfern speaks to all three.
Credit Unions
Expand your member business lending program without proportional staff growth. NCUA-aligned documentation support for growing MBL concentration.
Learn moreCDFI Lenders
Cash flow analysis makes visible what bureau scores cannot for thin-file and underbanked borrowers — self-employed, immigrant-owned, and recently-formed businesses.
Learn moreWhat community lenders say
From our pilot cohort. Role-only attribution — Creditfern does not identify pilot institutions by name.
"We were spending 6 hours per SMB application on statement review. Creditfern cut that to under 30 minutes. The time savings let us process more applications — and the documentation quality is what our examiners expected to see."
"We approved borrowers in the pilot that our bureau-only model would have flagged as marginal — businesses with real, consistent cash flow that FICO just didn't show. Same-day decision for our best-fit members."
"For our borrowers — many without much credit history — bank statements are the only reliable financial picture. Creditfern turns that picture into structured analysis. It's the tool our mission required."
Built in Charlotte, NC
Home to Bank of America, Truist, and Ally Financial — and a growing community banking ecosystem. We understand the balance sheet pressures that community lenders face because we work alongside them.
Talk to Jordan
We are working with a small group of community banks and credit unions to deploy Creditfern in their loan origination workflows. If your institution is making 50 or more SMB loan decisions per month and wants to integrate cash flow analysis, we should talk.
Schedule a Pilot