Creditfern connects to the tools your institution already uses
Loan origination systems, bank data connectors, and accounting software. IT integration is a configuration exercise — not a development project.
Loan Origination System Integrations
Creditfern returns structured JSON that maps to standard LOS credit memo fields. Pre-configured field mappings for the platforms your credit team uses.
nCino
Creditfern output maps to nCino's Credit Memo fields: cash flow score, monthly revenue summary, revenue stability rating, and examiner narrative. Field mapping is pre-configured. No custom development required for standard nCino deployments.
Abrigo (formerly Bankers Edge / Sageworks)
Abrigo's commercial lending module accepts Creditfern structured output via API. Cash flow analysis results populate the financial analysis section of the Abrigo credit request workflow automatically.
Finastra Fusion Loan Director
Creditfern integrates with Finastra's Fusion Loan Director via REST API. Decision output and cash flow narrative are returned as structured fields that map to the Finastra credit analysis template.
Encompass (ICE Mortgage Technology)
For institutions using Encompass for small business loan origination, Creditfern provides a direct integration via the Encompass Partner Connect program. Output appears in the Commercial Loan section of the file.
Bank Data Connectors
These are data infrastructure providers — not Creditfern customers. They provide the bank connectivity layer that allows applicants to share transaction history directly with Creditfern for analysis.
Plaid
Applicant grants read-only access via Plaid's OAuth bank connection flow. No account credentials stored. Creditfern pulls up to 24 months of transaction history directly from the applicant's bank account. Fastest path to analysis.
MX Technologies
MX bank data aggregation as an alternative to Plaid for institutions that prefer the MX connectivity layer. Same data access — up to 24 months transaction history via consent-based OAuth. MX has particularly strong community bank coverage.
Finicity (Envestnet)
Finicity bank connectivity via the Envestnet data platform. Third alternative for institutions requiring a specific data aggregator for compliance or vendor management reasons.
PDF Statement Upload
For borrowers or institutions without digital bank connectivity, PDF statement upload is fully supported. OCR pipeline processes statements from any bank and extracts structured transaction data with the same analysis accuracy as direct connection.
Accounting Software
For borrowers who maintain digital books, accounting data supplements bank statement analysis with additional cash flow signals.
QuickBooks Online
QuickBooks P&L and cash flow statement data supplements bank statement analysis. Useful for borrowers who maintain their books digitally — provides categorized expense data that helps validate bank statement categorization.
Xero
Xero accounting integration for Xero-based small businesses. Same supplementary function as QuickBooks — categorized financial data that strengthens the cash flow picture where bank statement analysis alone is insufficient.
REST API
Any institution with an API-capable LOS can integrate Creditfern directly via the REST API. Standard JSON request/response. Authentication via API key.
// POST /v1/analyze — Submit bank data for cash flow analysis { "institution_id": "inst_7a3f9b", "application_id": "app_2026_00842", "data_source": "plaid", "plaid_access_token": "access-sandbox-xxxxxxxx", "analysis_months": 14 } // Response — Creditfern analysis result { "cash_flow_score": 74, "recommendation": "Approve", "income_summary": { "avg_monthly_revenue": 82400, "recurring_revenue_pct": 74, "revenue_stability": "High" }, "examiner_narrative": "The applicant demonstrates consistent cash flow...", "los_field_map": { "ncino_cashflow_score": 74 } }
Coming in 2026
Core banking platform integrations planned based on institution demand from our pilot cohort.
Jack Henry (SilverLake / Symitar)
Core banking integration for Jack Henry institutions. SilverLake for community banks, Symitar for credit unions. Direct integration into the Jack Henry credit origination workflow.
Fiserv (Precision / DNA)
Fiserv core banking integration for community banks and credit unions on the Precision and DNA platforms. Field mapping to Fiserv commercial credit memo templates.
FIS Modern Banking Platform
FIS Modern Banking Platform API integration for institutions running the FIS core. Commercial lending module field mapping included.
Need an integration not listed?
We add integrations based on institution demand. If your LOS or core banking platform isn't listed, tell us — we prioritize integration development based on our pilot cohort's active platform footprint.
Ready to connect Creditfern to your LOS?
Schedule a pilot and we will configure your LOS field mapping before your first live analysis.
Schedule a Pilot