For healthcare lenders, SBA lenders, and bank credit teams
Underwrite Healthcare Borrowers
with Real Payment Data
Credeity analyzes borrower-authorized accounting exports to show how healthcare practices pay vendors, manage obligations, and signal early financial stress.
PAYMENT DISCIPLINE INDEX™
0–100 scale · Scores below 85 indicate elevated payment stress
Moderate operational variance · Further review warranted
Illustrative · Metro Dental Group · 19-month period
The Gap
Bureau trade data is voluntary, incomplete, and lagged. It cannot show obligation-level payment discipline derived directly from borrower accounting exports.
What you have
Bureau Credit Report
Reporting lag may apply · Vendor data voluntary
Credit Score
720
Good standing
File profile
Established: 2018 · 8 years in file
Recent inquiries: 3
Reported trade data
2 of 21 vendors reporting
SBA loan: Current
Equipment financing: Current
Not captured
— Payroll and tax payment timing
— Malpractice insurance discipline
— Vendor-level late payment detail
— Obligation-level stress signals
— Accounting-sourced transaction evidence
What Credeity adds
Payment Behavior Analysis
Borrower-authorized · Jun 2024 – Dec 2025
Payment Discipline Index™
81
Moderate operational variance · Further review warranted
Tier 1 obligations
Transaction-level · 4 critical obligations tracked
Payroll: 100% on-time
Payroll taxes: 93% · 3 late
Rent/lease: 94% · 1 late
Malpractice insurance: 100% on-time
Tier 2 operating vendors
21 vendors · 351 payments: 88% on-time
42 late payments identified: Max 18 days
Total volume: $547K · 19 months
A healthcare practice applies for a $400,000 equipment loan. Bureau file is clean — no derogatory marks, established trade lines. Credeity's analysis surfaces something the bureau cannot: in 6 of the 19 months reviewed, three or more distinct vendors received late payments. Payroll taxes, rent, and operating vendors all slipping simultaneously — a coordinated liquidity stress pattern. PDI score: 81. The bureau reflected no issues. Credeity identified the risk prior to closing.
THE PROOF
Two borrowers. Nearly identical bureau profiles.
Credeity reveals they are not similar at all.
Hidden stress
Emerging liquidity stress beneath a stable bureau profile
→ Structure changes warranted
Hidden strength
Sustained payment discipline beneath a similar bureau profile
→ Cleaner approval path
Bureau figures from live D&B Finance Analytics reports on anonymized healthcare practices. Credeity figures from authorized reports on the same practices. Shown for illustration only.
Inside the Report
Executive Summary
PDI score, overall on-time rate, Tier 1 status, and a plain-language credit interpretation — structured for immediate underwriting use.
Credit Risk Indicators
Five structured signals: Payment Discipline Index (PDI), Tier 1 liquidity, operational vendor risk, payment pattern stability, and observed payment coverage — each with lender-facing interpretation.
Tier 1 Obligations
Payment-by-payment detail on critical obligations: payroll, taxes, rent/lease, and insurance. On-time rates, dollar volumes, and longest delay flagged per category.
Payment Performance & Timeliness
19-month trend of the Payment Discipline Index and monthly on-time rate — shows whether payment behavior is stable, improving, or quietly deteriorating.
Vendor Payment History
Complete transaction-level detail: every vendor, category, payment count, volume, on-time percentage, and maximum days late — supporting reference for underwriting files.
Methodology & Data Quality
Documentation of data sources, classification methodology, vendor tier definitions, and confidence indicators — supports underwriting file documentation and audit review.
Why Credeity Exists
Credeity was built from firsthand exposure to the gap between how healthcare practices actually manage obligations and what traditional credit files reveal.
The methodology combines three lenses that rarely sit in one place: CPA-level financial integrity, CISSP/CISA-level data security and audit discipline, and direct exposure to healthcare finance through a physician household. That combination is why Credeity turns borrower-authorized accounting exports into underwriting-ready payment behavior analysis.
Three lenses behind the methodology
CPA
Financial integrity in payment data interpretation.
CISSP / CISA
Data security and audit discipline at institutional standards.
Healthcare finance exposure
Firsthand context from years inside a physician household.
How Credeity Works
A lender portal-based workflow. No bank IT systems involved at any step. Accepts CSV exports from any accounting platform, including QuickBooks, Xero, and Sage.
Lender / Bank
Credeity portal
All processing occurs here
Borrower / Practice
Lender initiates case in portal
Borrower authorization email sent
Authorizes via secure link
one-time · read-only
Uploads accounting system export
Credeity analyzes payment behavior
48-hour turnaround
Report available in lender portal
Lender reviews report in lender portal
Borrower authorization is one-time and read-only. Reports are delivered to the portal within 48 hours.
→ Sample report available upon portal access · Request access to get started
Pricing
PER ANALYSIS
$795
One borrower, one report, standard 48-hour turnaround.
Volume pricing available for portfolio reviews.
Case-based engagement. No subscription required.
What's included
- Independent third-party analysis
- Executive summary with PDI score
- Tier 1 obligation detail
- Full vendor payment history
- Delivered to lender portal within 48 hours