Your spreads, bureau data, and credit policy stay exactly where they are. Credeity adds a second, independent evidence source alongside them (dual-source underwriting), so every material claim in the file is corroborated rather than assumed.
What payment behavior analysis surfaces
Verified payment behavior across payroll taxes, rent, equipment leases, suppliers, and insurance, scored as a Payment Discipline Index. Lender-initiated and borrower-authorized, from the borrower's own accounting exports and bank statements.
What you receive
The full Underwriting Intelligence Report in 48 hours from a complete submission. Independent, methodology-documented, and consistent across every file.