Practice A
- Credit Score
- 760
- DSCR
- 1.45
- Net Income
- Supports debt service
- PDI
- 97, Strong
Payroll, taxes, rent, and vendors paid within terms across 18 months.
For healthcare lenders, SBA 7(a), CDFI & equipment finance teams
Payment behavior intelligence for healthcare lenders.
Credeity gives lenders independent visibility into how healthcare practices manage recurring obligations, receivables, and payment behavior, from first underwrite through the life of the loan.
What Traditional Underwriting Doesn't Reveal
Financial statements show what a borrower says is happening. Payment behavior shows what is actually happening (behavioral intelligence).
Traditional underwriting tells you whether repayment appears possible. Credeity shows how borrowers actually behave before problems appear.
| You already review | What it doesn't reveal | What Credeity adds |
|---|---|---|
| Credit bureau report | How vendors actually get paid | Payment Discipline Index (PDI) |
| Tax returns | Payment behavior between filing periods | Multi-month payment trend |
| Financial statements | Operational discipline month to month | Cash flow corroboration |
| Bank statements | Payment prioritization under stress | Payment prioritization analysis |
| AR aging | Vendor-side payment stretch | Collection deterioration signal |
| Practice production | Revenue quality and collection consistency | Collection consistency signals |
| Credit references | Recurring payment discipline | Cross-source payment reconciliation |
Three layers in one report.
Every Underwriting Intelligence Report combines evidence no single source provides.
Operational payment behavior
How the practice actually pays payroll, payroll taxes, rent, and key vendors, verified from borrower-authorized records and scored as a Payment Discipline Index.
Receivables and payor signals
Collection trends, days sales outstanding against practice-type benchmarks, and payor concentration that shapes repayment capacity.
External validation
UCC filings, tax transcripts, and license checks documented alongside the behavioral analysis in Comprehensive engagements.
Two practices. Identical on paper. Only one is safe to lend to.
Practice B
- Credit Score
- 760
- DSCR
- 1.45
- Net Income
- Supports debt service
- PDI
- 34, Acute
Repeated payroll tax delays. Medical suppliers stretched past 45 days. Payment discipline declining over the review period.
The same file, before and after
Before Credeity
Clean bureau. DSCR above policy. Financials current. Recommend approval.
After Credeity
Federal payroll taxes paid up to 88 days late. Workers' Compensation payments unverified against bank records. Medical suppliers repeatedly stretched. PDI declined from 96 to 33 over the review period.
Outcome: conditional approval, with tax compliance verified before closing and quarterly monitoring as a covenant. Same borrower, better-informed decision.
Better lending decisions
- Surface payment stress that bureau data does not capture
- Identify cash flow pressure hidden by strong financial statements
- Validate borrower explanations against observed payment behavior
- Give credit committees evidence instead of impressions
- Reduce underwriting blind spots in healthcare lending
- Support covenant design and post-close monitoring
Credeity provides behavioral analytics as a supplemental input to underwriting. Lenders make and own every credit decision.
UNDERWRITING STACK
Fits your existing underwriting stack
A second, independent underwriting source (second-look underwriting) layered on your existing process. No system replacement, no infrastructure overhaul.
Credeity gives lenders a structured view of borrower payment behavior and receivables performance using borrower-authorized operating data. It is designed to complement, not replace, the diligence tools banks already use, including tax transcripts, UCC and lien searches, commercial bureau reports, license verification, and other third-party checks.
Credeity helps lenders see what standard documents often miss: how a healthcare practice manages recurring obligations like payroll, taxes, rent, insurance, and critical vendors over time. The result is a clearer underwriting file, stronger exception support, and better documentation when the credit story is not obvious from tax returns alone.
Traditional diligence
- Tax returns
- UCC & lien searches
- Commercial bureau
- License verification
Credeity
- Borrower-authorized data
- Payment behavior
- Receivables performance
- Recurring obligation trends
Underwriting output
- Clearer underwriting file
- Better exception support
- Stronger credit memo support
- Better examiner documentation
WHAT BUREAU DATA MISSES
The gap bureaus cannot close
Trade data is voluntary, incomplete, and lagged. It does not show how a practice pays payroll and vendors. It does not show how it collects from payors. Bank statements confirm what happened. Accounting exports show why: which obligations were met, which slipped, and in what order.
Outflow
Obligation-level payment discipline: payroll, taxes, rent, insurance, and vendors. Sourced from bill payment history, not bureau trade lines.
Inflow
Receivables health: aging distribution, DSO vs practice-type benchmarks, payor mix, and concentration risk. Available before you underwrite repayment capacity.
THE WORKFLOW
How it works
Automated analysis. Analyst verified. Delivered in 48 hours.
1
Order the case
Open a case in the Lender Portal and enter the borrower's contact.
2
Borrower authorizes and uploads
The borrower signs the authorization and uploads accounting exports and bank statements. We confirm the submission is complete before analysis begins, so the clock starts on a full file.
3
Automated analysis
Ingestion, reconciliation, benchmark comparison, and Payment Discipline Index scoring run as a rules-based pipeline. The same inputs always produce the same score.
4
Analyst verification
A credentialed analyst reviews every exception, verifies the findings, and signs the report. Release requires a second review. No report ships on automation alone.
5
Delivery in 48 hours
The full report arrives in your portal within 48 hours of a complete submission. Rush delivery in 24 hours is available.
Report documentation supports examiner inquiry, annual review files, and credit committee presentations.
WHAT'S INCLUDED
What you get
- Payment Discipline Index (PDI) with executive summary
- Tier 1 payment discipline across payroll, taxes, rent/lease, and insurance obligations
- Vendor payment history and stretch behavior
- Accounts receivable aging, DSO, and practice-type benchmarks
- Payor mix and top-payor concentration analysis
- Collection risk indicators rated Normal, Watch, or Elevated
- Bank statement reconciliation: accounting records matched to bank activity across the full review period
- Delivered to your lender portal within 48 hours
SAMPLE PAGES
Inside the report
Two of the pages lenders review first. Select either page to view at full resolution.
Illustrative report pages using synthetic borrower data.
Executive Scorecard - At-a-glance risk signals with PDI and overall underwriting rating
Payment Performance Trends - 18-month payment discipline across critical obligations
Underwriting ends at closing. Risk does not.
A strong file at origination can deteriorate within two quarters. Credeity Monitor re-scores the borrower's payment behavior monthly against a standing authorization, flags Payment Discipline Index movement, and alerts you immediately when a tax obligation goes more than 30 days past due. Write it into the loan covenants and the renewal takes care of itself.
See Credeity MonitorSIMPLE PRICING
Priced like the third-party underwriting inputs you already use. Standardize Core across new practice credits; reserve Comprehensive for higher-risk and higher-stake exposures.
| Core | Comprehensive | Credeity Monitor | |
|---|---|---|---|
| Price | $1,500per case | $2,250per case | $3,600–$6,000per borrower per year ($300–$500 / month) |
| Designed for | The standard for new healthcare practice credits. Independent payment behavior analysis that reduces underwriting surprises and strengthens committee memos. | For larger exposures, exceptions, and higher-risk segments. Payment behavior analysis plus external validations, documented together in one report. | Continuous payment behavior monitoring for funded loans, written into the covenants. Monthly monitoring summaries, immediate alerts on tax slippage and PDI band changes, and a standing portfolio dashboard. |
| Includes |
| Everything in Core, plus an External Validation panel: UCC and lien searches, IRS payroll tax transcript status, and professional license verification. | |
| Data sources | Borrower-authorized accounting exports with optional bank statement reconciliation. | Core data sources plus lender-obtained external checks summarized in a standardized panel. | |
| See Credeity Monitor |
Core
$1,500per case
The standard for new healthcare practice credits. Independent payment behavior analysis that reduces underwriting surprises and strengthens committee memos.
- Executive Summary and credit brief
- Payment Discipline Index with band and trend
- Tier 1 and Tier 2 payment analysis
- Bank statement reconciliation where provided
- AR aging, DSO, and combined cash-flow read
Data sources
Borrower-authorized accounting exports with optional bank statement reconciliation.
Comprehensive
$2,250per case
For larger exposures, exceptions, and higher-risk segments. Payment behavior analysis plus external validations, documented together in one report.
- Everything in Core
- External Validation panel
- UCC national lien status
- IRS Form 941 transcript status
- Professional license verification
Data sources
Core data sources plus lender-obtained external checks summarized in a standardized panel.
Credeity Monitor
$3,600–$6,000per borrower per year ($300–$500 / month)
Continuous payment behavior monitoring for funded loans, written into the covenants. Monthly monitoring summaries, immediate alerts on tax slippage and PDI band changes, and a standing portfolio dashboard.
Why banks trust Credeity
Independent methodology
Rules-based analysis
Traceable findings
Borrower-authorized
Examiner-ready
Lender-controlled decisions
Credeity combines rules-based underwriting methodology with analytical automation to structure borrower-authorized accounting data into consistent, lender-ready intelligence. Credit decisions remain entirely under lender control.
See what your next credit file is missing.
Portal access is provisioned within one business day. Existing lenders sign in directly.