Regulatory positioning
Credeity reports are prepared at the request of the lender with the written authorization of the borrower, for use in a specific commercial credit decision. Credeity is not a consumer reporting agency and does not compile or sell consumer reports.
Supporting Lender Decision Documentation
Credeity delivers an intelligence artifact, not a score. Credeity does not make credit decisions, does not recommend approval or decline, and is not a consumer reporting agency. The lender remains the decision-maker at every step.
What Credeity does provide is evidence a lender can document. Every finding in an Underwriting Intelligence Report carries a clear status (Match, Variance, or Unable to Verify) and a named evidence source. Findings are produced by a rules-based analysis engine, not AI-generated conclusions, so the same inputs always produce the same findings and every finding can be traced to its underlying evidence.
When a lender declines a file, downgrades terms, or documents an exception, examiners and internal credit policy expect plain-English reasons. Credeity report findings are designed to translate directly into documentable reason classes, for example:
- Variances between borrower-provided financials and independently obtained tax transcripts correspond to the reason class "tax transcript discrepancies."
- Irregular timing between collections, payables, and tax obligations corresponds to the reason class "operating cash flow inconsistency."
- Licensing records that cannot be independently confirmed correspond to the reason class "licensing gaps or unverifiable license status."
This means a credit team can rely on a Credeity report in its decision file without guessing how to describe what it found. The granular evidence stays available for underwriters. The plain-English reason class is available for documentation.
Verified evidence in. Documentable reasons out. The decision stays with the lender.
Why Credeity Deploys Faster
Cash flow underwriting is transforming consumer lending, and the same shift is now reaching commercial credit. The difference is how much infrastructure it usually takes to get there.
A traditional cash flow underwriting project typically requires:
- Loan origination system (LOS) integration before first value
- Core banking integration to reach account-level data (on-us data)
- Model governance and validation review
- Fair lending model analysis
- New vendor data pipelines and categorization tuning
- Months of implementation before the first underwriter benefits
Credeity requires:
- Borrower authorization
- Independent verification against external, borrower-authorized evidence sources (off-us data)
- Delivery of a complete Underwriting Intelligence Report to the credit team
- No underwriting model replacement, no core integration, no system overhaul
Credeity operates as a standalone verification layer (second-look underwriting) that sits alongside a lender's existing process. It adds an independent evidence source (dual-source underwriting) without displacing spreads, bureau data, or credit policy. A lender can put Credeity in front of a live file this quarter, not next year.
For lenders that later want systematic delivery, a documented integration path is available. See the LOS Integration Plan, available on request. Integration is an option, never a prerequisite.
How borrower data moves through Credeity
1. Authorization.
The borrower signs a written authorization before any data is collected. No data is received or analyzed without it.
2. Encrypted upload.
Accounting exports and bank statements are transmitted over TLS and encrypted at rest.
3. Analysis.
Data is processed inside a controlled environment. Access is limited to the analysts assigned to the case.
4. Delivery.
Reports are released through the Lender Portal under dual control. No report leaves the system without a second review.
5. Retention and deletion.
Case data is retained for the contracted retention period, then deleted. Deletion is logged.
What we never do
Credeity does not sell data. Credeity does not share borrower information with any party other than the authorizing lender. Credeity does not access bank accounts, tax accounts, or credit files. Every input is a document the borrower chose to provide.
Subprocessors
| Provider | Function | Location |
|---|---|---|
| Supabase | database and storage | United States |
| Vercel | application hosting | United States |
Compliance roadmap
Credeity operates against a control set aligned to SOC 2 Trust Services Criteria. A formal SOC 2 Type II examination is on the company roadmap. Lenders may request our security whitepaper and completed due diligence questionnaire at any time.