Short-Term Lenders
Reduce risk in high-velocity lending environments
Cash Flow Is the
NEW Credit Score
A smarter way to determine the ability-to-pay through cash flow analysis.
Request AcuCheck Demo
12,000 +
CONNECTED BANKS
Real-Time
CASH FLOW ANALYSIS
Instant
DECISION MAKING
Why Lenders Are Switching
to Cash Flow Analysis
Traditional credit models weren't built for today's economy. Income volatility, loan stacking, and gig work confuse legacy scoring, but notAcuCheck
Legacy Credit Tools
Static credit reports miss the last 30+ days- IBV just dumps raw data with no insight
- Blind to stacking, overdrafts, and payday loans
- Complex, outdated tech stacks
Acucheck
Live cash flow shows the borrower's financial reality today - Clean, enriched, and decision-ready financial intelligence
- Detect active liabilities and high-risk patterns in seconds
- Modern, no-code integration and instant usability
It's not just bank data; it's intelligence you can underwrite with.
How It Works
Transform your lending process in 3 simple steps with our easy
API integration or Lender Portal.
CONNECT BANK ACCOUNT
Borrowers securely connect their bank account through our trusted platform with bank-level encryption.
ANALYZE CASH FLOW
Analyze real-time banking data, transactions, income patterns, and spending behavior in seconds.
MAKE SMART DECISIONS
Get decision-ready insights including DTI, ability to pay, NSF alerts, and risk scoring.
CONNECT BANK ACCOUNT
Borrowers securely connect their bank account through our trusted platform with bank-level encryption.
AcuCheck Benefits
AcuCheck provides lenders with data-driven insights that
improve decisions and reduce risk.
Better Loan Decisions
Reduce defaults with real-time banking data that reveals true borrower ability to pay.
Increase Approval Rates
Approve more qualified borrowers by seeing their cash flow.
Reduced Fraud Exposure
Detect loan stacking and fraudulent applications before loan approval.
Industries We Serve
Trusted by innovative lenders across financial services for modern fintech solutions.
BNPL Providers
Instant approval decisions with real-time affordability checks
Medical Finance
Assess patient payment capacity without credit checks
Auto Loans
Verify borrower affordability instantly with live data
Mortgage Lenders
Accelerate loan processing with fast, accurate financial verification
Credit Unions
Empower members with fair, data-driven lending assessments
Ability to Pay -
Approve the RIGHT
Loan Amount
“
Too many lenders find out a borrower can't afford the payment… after the loan is issued. AcuCheck solves that by calculating affordability using real-time bank data.
”Example Calculation
$2,500
“
Monthly Net Income
$2,200
“
Fixed Expenses
$400
“
Proposed Payment
Result: Negative cash flow – High risk of default
What People Say About Us
Lenders Say It's Best
Karson D
Loan Servicing Specialist★★★★★
We stopped relying on outdated credit data the day we saw what AcuCheck could do.
Ashley M
Loan Officer Assistant★★★★★
For any lender who wants real-time data - AcuCheck is a must-have.
David M
Credit Risk Manager★★★★★
Credit scores are outdated -AcuCheck shows us a customer’s real ability to pay
Send Your Customer A Text Or Email
Real Time Cash Flow Analysis
Automatically analyzes transaction history, income streams, financial obligations, and recurring expenses using advanced risk models.
Income pattern identification
Spending behavior analysis
Affordability metrics
DTI Scoring That Works In Real Time
Calculate borrower’s ability to take on new debt using live income and expense data for accurate real-time assessment.
Live income calculation
Real-time expense tracking
Debt capacity analysis
Smarter lending with Cash Flow Analysis
Verify Income In Seconds
Instantly confirm income sources and stability with real-time data. No pay stubs required.
Instant verification
Assessment
Multiple income sources
Ability To Pay
Go beyond credit scores. Understand whether a borrower can take on new debt without slipping into default.
Budget impact assessment
Payment capacity analysis
Default risk prediction
NSF Alerts
Identify when customers’ bank accounts are most likely to become negative.
Real-time NSF detection
Risk pattern analysis
Early warning system
Customer Bank Connection
Connect to 12,000+ / 15,000+ banks and credit unions securely, with accounts linked in just seconds via authorized access.
15,000+ Institutions
Secure connection
Instant access
Frequently Asked Questions
Unlike credit reports, which are static and often outdated, AcuCheck uses live cash flow data from banks to assess a borrower’s current financial health, including recent income, spending habits, and loan obligations. It shows what credit scores can’t.
Still, have questions?
Can't find the answer you're looking for?
Founding Member
Benefits
Join the future of digital lending with exclusive advantages for early adopters.
Flexible Integration Options
Multiple integration methods including API, SDK, and white-label solutions to fit your existing infrastructure seamlessly.
Easy 3-Step Setup
Get up and run in minutes, not months. Our streamlined onboarding process ensures you're making smarter lending decisions today.
The Future of Underwriting Is Real-Time,
Its Cash flow
And It Starts Here...
Join hundreds of financial institutions using AcuCheck to transform their lending processes with real-time cash flow intelligence.
< 2sec
RESPONSE TIME
12k+
BANKS CONNECTED
24/7
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