What we review
The accounting exports and bank statements you provide, such as QuickBooks or Xero reports.
What we never access
Your bank login, your tax accounts, your personal credit file, or any account credentials. You upload documents. We never log in to anything.
How it affects you
A Credeity report is not a credit inquiry. It does not appear on or affect your personal or business credit file. It gives your lender verified evidence of how your practice actually pays its obligations, which is often stronger than what a credit bureau shows.
What happens to your data
Your documents are encrypted, used only for your lender's decision, retained for a limited period, and then deleted. We do not sell or share your information with anyone other than the lender you authorized.
How long it takes
Most borrowers complete the upload in under 30 minutes. Your lender receives the report within 48 hours of a complete submission.