Credeity is built to fit into the underwriting process lenders already follow for healthcare practices. It adds a structured behavioral analysis layer to the tax, legal, bureau, and compliance checks already used in commercial credit review.
1. Start with your standard diligence
Most lenders already collect core underwriting inputs such as borrower financials, tax returns or transcripts, UCC and lien searches, commercial bureau reports, and license verification. These sources help confirm identity, filing history, public-record risk, and baseline financial performance.
2. Add Credeity for operating behavior insight
Credeity analyzes borrower-authorized accounting and receivables data to show how the practice actually manages recurring obligations over time. This gives lenders visibility into payment discipline across payroll, payroll taxes, rent, insurance, and operating vendors, along with inbound receivables indicators such as DSO, aging, and payor mix.
3. Cross-check what the file is telling you
Credeity is most valuable when used to confirm or challenge the rest of the credit file. When tax transcripts, bureau data, lien searches, or receivables verification align with Credeity, lenders gain stronger confidence in the underwriting narrative. When they diverge, lenders know where to ask additional questions before closing.
4. Strengthen the credit memo
Credeity delivers lender-ready reporting that can support internal credit write-ups, policy exceptions, and examiner review. Instead of relying only on point-in-time documents, lenders can reference observed payment behavior and receivables performance across the review period.
Where Credeity fits
Traditional diligence shows:
- Tax returns and transcripts
- UCC liens and public filings
- Commercial bureau history
- License and entity verification
Credeity adds:
- Tier 1 payment discipline
- Structured vendor payment behavior
- Receivables quality indicators
- Combined inbound and outbound cash-flow read
- A lender-ready narrative tied to observed operating behavior
Credeity provides supplemental underwriting analysis only. It does not make credit decisions and is intended to be used alongside a lender's existing underwriting standards, policies, and third-party diligence processes.