The complete picture on every file, without the manual work.
Branded to you
Collect everything in one step
Send your own branded links to request paystubs, bank statements, and credit consent. Automatic reminders mean less follow-up from your team.
Income verification
Start with verified income
Advanced OCR extracts and analyzes data from paystubs, bank statements, and connected bank accounts automatically. Your team reviews verified insights, not raw documents.
Income analysis
Get the full income picture
Income segmentation, monthly balance trends, current financial commitments, and NSF history — all in one view. Everything your team needs to make a decision, without opening a single document.
Fraud Checks
Catch what doesn't line up
Identity Mesh cross-references income, identity, and bureau data to flag inconsistencies across every file — so your team spots issues without hunting through documents.
Issue detection
Review what matters most
Built-in alerts surface everything that needs attention so nothing gets missed. Review, clear, or escalate any alert in seconds, with every action logged by name and timestamp.
Match your underwriting criteria
Customize income calculations, thresholds, and verification requirements to match your specific underwriting criteria.
Handle every income scenario
Verify salaried, self-employed, and business-for-self income with tools built for auto lenders.
Flag income that doesn't add up
Applicant-reported income is automatically benchmarked against industry standards. Unreasonable claims get flagged without your team having to spot them manually.
Block document manipulation at the source
Built-in document integrity controls prevent submitted documents from being altered or substituted after submission. What your applicant uploads is what your team reviews.
Meet compliance requirements on every file
KYC for individual borrowers and KYB for business customers, with sanctions screening included. Every step logged in a full audit trail built for FINTRAC reporting.
Sync income decisioning with your loan origination system
Verification summaries and approval notes flow directly into your LOS automatically. No manual transfers or re-entering data.