Underwrite thin-file borrowers with confidence.
Traditional bureaus miss the borrowers modern lenders want to serve. Credit Decisioning underwrites on cash-flow and alternative data alongside bureau signals, running your policy as versioned, testable code. The result is an auditable decision - approve, decline or refer - with an affordability breakdown, risk grade and adverse-action reasons your compliance team can defend.
curl https://api.fleximinds.dev/v1/credit/decision \
-H "Authorization: Bearer sk_live_••••" \
-d applicant_id=app_71c \
-d amount=15000 \
-d term_months=24{
"decision": "approve",
"risk_grade": "B+",
"approved_amount": 15000,
"apr": 12.4,
"affordability": { "dti": 0.28, "buffer": 640 }
}Everything you need, nothing you don't.
Cash-flow underwriting
Turn transaction history into income stability, expense and affordability metrics that predict repayment.
Policy-as-code
Author, version and A/B test your credit policy - no engineering deploy needed to change a rule.
Thin-file coverage
Score new-to-credit and gig-economy applicants with alternative data, safely and fairly.
Adverse-action ready
Every decline ships with compliant reason codes and a complete, immutable decision record.
Three calls from raw input to decision.
Submit the applicant
Pass income, cash-flow and bureau data - or let us pull it from linked accounts.
Run your policy
Your policy rules and our ML risk model produce one decision with an affordability breakdown.
Return the decision
Approve, decline or refer, with a risk grade, limit recommendation and reason codes.
Where teams put it to work.
Credit Decisioning plugs into the workflows you already run - and the other Fleximinds engines pick up from there.
Ready to ship Credit Decisioning?
Get sandbox keys today and move to production when you are ready. Our team will help you scope the integration.