Alternative data, marked up for credit.
We sell lenders the data their scorecard is missing — collected from other organizations, validated, and turned into signal a credit model can actually use.
Beyond the standard sources.
Standard credit data is thin and missing for most small businesses. We step past it — into the data their real operations already generate.
Standard data is thin
Bureau history, declared assets, bank-app usage and basic tax — stale or missing for most small businesses.
Data from real operations
Signals from the organizations a business already deals with: suppliers, telecom, services and reputation.
Supplier-first, verified
Suppliers are large and verifiable, so supplier data is our strongest first signal — cross-checked against several criteria.
Where the real picture lives.
Hundreds of alternative signals, pulled from the organizations a real business already deals with — then validated and weighted into a score.
Supplier data
Who a business buys from and how much — verified against large, reliable suppliers. Our first and strongest signal.
Inventory & storage
Use of warehousing and stock-level services as a demand signal.
Telecom
Connectivity and usage patterns tied to a real, active business.
Online activity
Web presence and traffic that reflect genuine operations.
Online reputation
Reviews, ratings and sentiment across the web.
Service usage
Other platforms and tools the business relies on day to day.
validated alternative signals per applicant, weighted into one calibrated score.
From raw data to a usable score.
Collecting data is easy. The hard part — and our moat — is turning it into
a feature a credit model can read: normalized, validated and weighted.
Collect
Raw data from suppliers, telecom, web and the services a business uses.
Validate
Schema, range and consistency checks, dedup and freshness decay.
Mark up
Normalize and weight each signal by predictive importance.
Score
Return a calibrated probability and a clear approve / decline.
One API call turns a thin file into a complete one.
The lender connects over API. When a new application comes in, they call us — we find, collect and mark up everything we have on the borrower, run internal scoring enriched with alternative data, and return it to the lender.
Analyze a few standard fields and the file is incomplete. Analyze hundreds of alternative signals — supplier, telecom, online activity, reputation — and it’s whole. Default risk drops.
Richer files, lower risk.
- 01
Connect
You integrate our API into your origination flow.
- 02
Map & validate
We map and validate the alternative sources for your segment.
- 03
Live enrichment
Every application is enriched and scored in real time.
- 04
Monitor & expand
We track performance and keep adding new signals.
fewer defaults and delinquencies, by design — sharper, validated signal on every file.
Thicker files
Hundreds of alternative signals turn thin applications into scorable profiles.
One API
No new core — enrich and score every application through a single call.
Fewer false rejections
See the businesses a thin scorecard was blind to — safely, with verified signal.
Decide in minutes
One enriched, scored file instead of a manual chase across separate tools.
Enrich your next application.
Tell us about your lending and we’ll set up a demo — with the data running live on your own applications.
- ✓One API — no core replacement
- ✓Hundreds of validated alternative signals
- ✓Designed to cut default risk 2×+