You have the system. We bring the data.
Your origination already runs on one core. What’s missing is data — the signals that separate a good borrower from a risky one. Sylvent adds an alternative-data and scoring layer through a single API.
A unified core, starved of signal.
Your processes are already in one system — but thin or missing data means good businesses get rejected and risk gets mispriced.
the default and delinquency cost that thin data quietly creates.
Good businesses rejected
Healthy borrowers with no bureau depth read as a blank — and get an automatic no.
Risk mispriced
You either play it too safe and lose revenue, or misprice and absorb defaults later.
Alternative data, scored and explainable.
Sylvent enriches every application with hundreds of alternative signals — taxes, transactions, reputation, partner data — and returns a calibrated, explainable probability. Designed to cut default risk by 2x or more.
- Tax data›
- Bank & transaction data›
- Documents (OCR)›
- Online reputation›
- Partner data›
On top of your stack, not instead of it.
Integrate one API into your existing origination — no core replacement, no multi-year project.
We add hundreds of alternative signals — tax, transactions, reputation and partner data.
A calibrated probability comes back with the factors and weights that drove it.
Your policy and limits run unchanged — now on richer, sharper data.
{ "borrower": "MX-RFC-8841",
"amount": 250000 }A data layer vs. the alternatives.
How Sylvent compares to running on the bureau alone or building the data layer yourself.
Sylvent data layer | Bureau only thin file | Build in-house from scratch | |
|---|---|---|---|
| Alternative data | ✓ | ✗ | build pipelines |
| Calibrated scoring | ✓ | bureau score only | build it |
| Explainable decisions | ✓ | limited | build it |
| One API, no core change | ✓ | — | ✗ |
| Keep your policy & limits | ✓ | ✓ | ✓ |
| Time to launch | Weeks | — | 6–36 months |
Lower risk, more approvable borrowers.
fewer defaults and delinquencies, by design — sharper, validated signal on every file.
Fewer false rejections
See the businesses your scorecard was blind to — safely.
Right-priced risk
Price each borrower on what they actually are, not a thin file.
Keep your core
No replacement project — your policy and limits run unchanged, on richer data.
Explainable by design
Every score traces to the signals and weights that drove it.
Different lenders, different gaps — banks need data on top of a system; lenders without one need the system itself. See the microfinance approach →
Want more applications, not just more data?
Lead Generation delivers qualified, enriched borrowers straight to your API —
and you pay only when a deal closes.
Reduce risk on the core you already run.
Tell us about your origination and we’ll set up a demo — alternative data and scoring on top of your stack, over one API.
- ✓Keep your core, policy and limits
- ✓One API — no replacement project
- ✓Designed to cut default risk 2×+