Lending Opportunities
Unlock Lending to Thin-File & Credit-Invisible Borrowers
SPENDiD enables lenders to evaluate true repayment potential, even when traditional credit data is incomplete or missing.
Our predictive API fills in the picture with income and expense modeling that reveals real-world cash-flow strength — giving you confidence to lend responsibly to more qualified borrowers.
Millions Are Credit-Invisible
—But Financially Capable
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Over 45 million Americans lack a traditional credit file, yet many maintain consistent income and responsible spending
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Lenders relying only on bureau data miss a massive opportunity—and consumers lose access to fair credit.
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SPENDiD fills this gap with predictive, real-world cash-flow insight that validates repayment ability before any credit history exists.
These credit disadvantaged consumers are often unable to access financial products and services because they have no, or little, credit history.
-Charlie Wise, TransUnion
The SPENDiD Solution: Predictive Cash-Flow Modeling
Filling in the Missing Data That Makes Loan Approval Possible
SPENDiD bridges the information gap with a predictive API that estimates realistic monthly expenses and savings capacity using verified inputs
When a lender has access to proof of income and major recurring expenses…
— such as income, housing, transportation, childcare, and other debt payments
…SPENDiD intelligently projects the remaining budget categories with peer-validated accuracy.
The result: a reliable estimate of net monthly cash-flow strength
— expressed as a simple Budget Health Score that signals repayment capability.
Example Scenario
The “Credit-Invisible” Borrower Who Was Fully Capable
A 28-year-old applicant with no credit score applies for a $15,000 auto loan.
They provide income verification and proof of rent and childcare payments.
SPENDiD fills in the remaining categories using peer-spending benchmarks for their region and occupation.
Result: Budget Health Score = 85.
Loan approved, paid on time, and renewed 12 months later — with lifetime value exceeding expectations.
From Partial Data to Confident Decisions — Instantly
Value To Lenders
Expand Inclusion, Minimize Risk, and Unlock New Markets
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Expand Approvals: Confidently lend to cash-flow capable applicants who lack credit history.
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Enhance Risk Models: Incorporate predictive cash-flow data without requiring full aggregation.
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Accelerate Decisions: Turn partial borrower data into actionable insights in seconds.
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Build Inclusion Reputation: Support fair and inclusive lending initiatives.
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Boost Loan Volume: Capture market share in underserved borrower segments.
Credit Is Lagging Behind Real-Life Financial Behavior
Borrowers today manage complex financial lives — earning from gig work, side income, or self-employment.
Traditional credit systems aren’t built to evaluate repayment capability for this, but SPENDiD is.
Our predictive approach focuses on cash-flow capability, not just past borrowing history.
That means more equitable credit decisions, healthier loan portfolios, and measurable social impact.
Deploy in Days — Not Months
