Underwriting

Gain actionable insights to accelerate your underwriting and confidently assess borrower creditworthiness.

Faster, smarter underwriting with tailored insights

How we supercharge your underwriting processes

Step 1

Seamless data collection

Offer borrowers a secure, user-friendly way to link their data or upload bank statements to Flinks shared by brokers.

Step 2

Authentication and data standardization

Flinks gathers and standardizes your borrower’s financial data, making it accessible and easy to interpret.

Step 3

Data enrichment and categorization

Flinks enriches and translates the raw financial data into actionable insights.

Step 4

Real-time access to insights

Access enriched datasets instantly through our dashboard or seamless API integration.

Make smarter, data-driven credit decisions

Robust financial insights delivered your way

Access robust lending reports via our dashboard or seamlessly integrate our API into your CRM, LMS, or LOS to enhance credit decisioning and risk modelling.

Advanced fraud detection and risk mitigation

Identify borrowers' primary accounts and detect potential fraud, including non-sufficient funds (NSFs), stop payments, and unusual transaction patterns.

Qualify more borrowers

Streamline your underwriting process with automated data collection and analysis, enabling faster loan approvals—even for borrowers with limited or no credit history.

Flexible and seamless data collection

Give your customers the flexibility to securely share their financial data with options that suit their needs. From bank linking to bank statement uploads, provide a smooth experience and boost conversion rates.

Deep insights into your customers

Gain valuable insights into cash flow, account balances, loan repayments, income trends, spending patterns, and more. Select the data that matters most or create custom attributes to drive smarter, more accurate underwriting decisions.

16,000+

Supported financial institutions to onboard any borrower.

6,000+

Attributes and enriched data points for a full picture of your borrower.

30%+

Faster underwriting processes.

“With our AI and credit models the more data we have, the better decisions we can make. And Flinks help us by giving us more data. They give us both a macro and micro view of consumer behaviour.”
Jonathan Goler
Chief Risk Officer
Read case study

Let’s chat.

Whether you're ready to start onboarding more customers, drive operational efficiency or have any questions, we're here to help.

Fill out the form and we'll connect you with the right member of our team.

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.