Increase approvals without increasing risk
Accurately identify more high-quality borrowers
Spot red flags before it's too late
Detect leading risk indicators from applicants and existing borrowers
Make credit invisibles, visible
Confidently underwrite borrowers with thin or no credit files
CashScore® provides an average of 30% predictive lift above traditional credit scores alone*
*Average lift based on Prism’s analysis when CashScore is added to traditional credit scores across a wide range of client portfolios. Predictability based on KS.
30%
Predictive lift
Sophisticated cash flow underwriting in a simple 3 digit score
Accurately predict credit risk and delinquency independent of credit scores.
Thousands of new data points to describe financial health and behavior.
Trained on vast data sets with millions of records across lenders and products.
Explainable and compliant for consumer and SMB credit decisioning.
Specialty scores for every use-case
CashScore® Detect
Detect first-party fraud early and reduce payment defaults—perfect for BNPL and short-term credit.
CashScore® Extend
Accurately predict default on high-risk, short-term loans—ideal for cash advance, EWA, and lease-to-own products.
5-30%
More approved customers
4-25%
Reduction in loss
5x faster
Speed to market
Auto Finance
Buy-Now-Pay-Later
Cash Advance / EWA
Credit Cards
Debt Consolidation
HELOC
Home Improvement
Merchant Cash Advance
Mortgage
Payments
Auto Finance
Buy-Now-Pay-Later
Cash Advance / EWA
Credit Cards
Debt Consolidation
HELOC
Home Improvement
Merchant Cash Advance
Mortgage
Payments
Personal Loans
POS Financing
Rent Splitting
RTO/LTO
Small Dollar Lending
SMB Lending
Student Lending
Tenant Screening
Utility/Telco Screening
Personal Loans
POS Financing
Rent Splitting
RTO/LTO
Small Dollar Lending
SMB Lending
Student Lending
Tenant Screening
Utility/Telco Screening
How it works
- 01
Client pulls deposit account data through any data aggregator or directly from client systems.
- 02
De-identified data is shared with Prism via data aggregators, decision engines, or secure, single-endpoint API connection.
- 03
Data is processed and outputs are returned with sub-second response times and >99.9% availability.
- 04
Client receives Prism products and uses them to determine credit approval, pricing, portfolio management, and more.
Get started
Unlock better cash flow underwriting
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