Pre-Underwriting Readiness Intelligence

See what FICO
can't see.

LendMark ingests 75+ alternative signals — cash flow, rent history, utility payments, business operating data — and produces a single 0–100 readiness score for every loan applicant. CDFIs, credit unions, and community banks use it to identify qualified borrowers faster and price risk more accurately.

Readiness score dashboard
75+ Alternative data signals
0–100 Readiness score, auditable
CDFIs Credit unions, community banks
The Constraint

We do not approve loans.
We do not deny them.

LendMark produces a readiness assessment. The lender retains 100% of underwriting authority. This is not a workaround — it is the architectural foundation. Every layer of the platform enforces it.

Alternative Data

75+ signals ingested: bank cash flow via Plaid, rent and utility payment history, revenue patterns, business operating tenure, documentation completeness.

74

Readiness Score

0–100 deterministic score. Seven component scores weighted into a composite. Every component logged with the exact input values that produced it. Fully auditable.

Lender Decision

Score and signal breakdown delivered to the loan officer. Lender reviews, interrogates, and makes the call. LendMark is intelligence, not authority.

The Lender View

Institutional-grade intelligence, not a black box.

The lender dashboard surfaces every signal that contributed to a readiness score — cash flow consistency, revenue stability, payment history, business tenure, debt service coverage, documentation completeness, and the alternative signal composite. Multi-tenant. Row-level security. No cross-tenant visibility, ever.

Full score breakdown by component
Signal source attribution for every data point
Document review interface per borrower
Disparate impact monitoring built in (4/5ths rule)
CRA-aligned audit trail export
Lender dashboard
What We Measure

75+ signals across seven scored dimensions.

Phase 1 scoring is fully deterministic. No machine learning. Every component score is produced by a rules-based formula, logged with its exact inputs, and reproducible on demand. Auditable by any regulator.

01

Cash Flow Consistency

Bank feed via Plaid. Inflows/outflows analyzed across 12+ months. Variance scored, not averaged.

02

Revenue Stability

Month-over-month revenue patterns. Seasonality-normalized. Growth trajectory weighted separately from volatility.

03

Payment History

Rent, utilities, insurance, vendor payments — collected and verified. On-time consistency scored over volume.

04

Business Tenure

Operating history, incorporation records, business license data. Length + stability + sector context.

05

Debt Service Coverage

Existing obligations against cash flow. Both secured and unsecured. Ratios over thresholds trigger penalties.

06

Documentation Completeness

Tax returns, bank statements, contracts, invoices. Which are present, which are verified, which are stale.

07

Alternative Signal Composite

Everything else: rental history, utility payments, industry-specific operating data, POS transaction volume, payroll data. Each normalized and weighted into a composite score.

Built for the people building Main Street.

CDFIs & Credit Unions

You operate in relationship-based, mission-driven lending. LendMark fits your workflow — not the other way around.

Community Banks

Small business expertise lives in your loan officers, not in a score. We surface what you need to see faster.

The Borrower Side

Guided intake workflow — mobile-first, conversational, with an AI assistant that helps applicants complete every section.

Compliance Built In

Disparate impact monitoring, 4/5ths rule evaluation, CRA audit trail. Not bolted on — architected from the start.

For community lenders, by people who understand them.

A FICO score tells you a borrower failed.
LendMark tells you why they haven't.

The "invisible prime" borrower — the restaurateur who has never missed a rent payment, the contractor whose revenue is seasonal but predictable, the micro-enterprise founder who has run the same business for eight years — doesn't need to be approved. They need to be seen.

Your loan applicant is ready.
74
/ 100 — and here's exactly why.