qalitAI reads real cash flow from bank data and turns it into clear, explainable evidence for the decisions that depend on it. One platform, many verticals, from lending to tenant screening. Better decisions. Broader reach. Fairer outcomes.
Cash Flow IntelligenceLOS IntegrationAlternative Credit InsightsFinancial InclusionReal-Time AnalyticsBank-Grade SecurityBias-Free LendingFCRA CompliantSOC 2 Type II In ProgressFewer DelinquenciesHigher Quality VintagesCash Flow IntelligenceLOS IntegrationAlternative Credit InsightsFinancial InclusionReal-Time AnalyticsBank-Grade SecurityBias-Free LendingFCRA CompliantSOC 2 Type II In ProgressFewer DelinquenciesHigher Quality VintagesCash Flow IntelligenceLOS IntegrationAlternative Credit InsightsFinancial InclusionReal-Time AnalyticsBank-Grade SecurityBias-Free LendingFCRA CompliantSOC 2 Type II In ProgressFewer DelinquenciesHigher Quality VintagesCash Flow IntelligenceLOS IntegrationAlternative Credit InsightsFinancial InclusionReal-Time AnalyticsBank-Grade SecurityBias-Free LendingFCRA CompliantSOC 2 Type II In ProgressFewer DelinquenciesHigher Quality VintagesCash Flow IntelligenceLOS IntegrationAlternative Credit InsightsFinancial InclusionReal-Time AnalyticsBank-Grade SecurityBias-Free LendingFCRA CompliantSOC 2 Type II In ProgressFewer DelinquenciesHigher Quality Vintages
The Platform
One platform. Every decision that turns on cash flow.
qalitAI serves each vertical from the same deterministic foundation. The data work is shared. The framing is built for your decision. Choose the path that fits.
qalitAI gives every institution a richer, fairer view of the people it evaluates by reading real cash flow data instead of relying solely on the traditional credit score. The result is more confident decisions and less risk, whatever the vertical. Integration into systems like a loan origination platform is one of several ways it fits your existing workflow.
Real-Time Cash Flow Analysis
Analyze up to 24 months of transaction data instantly, revealing a borrower's true financial picture beyond the credit score.
Seamless LOS Integration
qalitAI maps directly into your existing Loan Origination System. No rip-and-replace. No disruption.
Bias-Free Decisioning
Algorithm-driven insights remove human bias and protected-class inference. Fair, fast, and defensible.
Institutional-Grade Reporting
Audit-ready reports with clear cash flow insights your underwriters and regulators will understand.
Bank-Grade Security
SOC 2 Type II compliance in progress. Your data and your customers' data are protected at every layer.
Growing with Your Mission
Purpose-built for lenders who believe creditworthy people deserve more than a three-digit verdict.
The Decision Quadrant
Two questions every credit decision is really asking.
A credit score answers only one of them. qalitAI answers the other by reading the cash flow truth in the bank data, so every applicant lands in the right quadrant for the right reason. The personas below are drawn from the lending vertical.
What does the credit score say?
Can they actually make the payments?
High FICO
Low / No FICO
High ability to pay
High FICO · High ability to pay
True Positive
Approved and genuinely performs.
CO
The Confirmed
A strong score that the underlying cash flow fully supports.
Low / No FICO · High ability to pay
False Negative
Turned away on the score despite real capacity. Lost business, and a person who deserved to be served.
OV
The Overlooked
Little traditional credit history, but steady income and reliably met obligations.
Low ability to pay
High FICO · Low ability to pay
False Positive
Approved on the score, but cash flow does not support it. Where losses come from.
HS
The Hidden Strain
A comfortable score sitting on top of deteriorating cash flow.
Low / No FICO · Low ability to pay
True Negative
Correctly declined.
GR
The Genuine Risk
Limited history paired with income that does not cover obligations.
On the off-diagonal, qalitAI corrects the decision. It reads the ground truth in the bank data to recover the False Negatives you should approve, and to catch the False Positives you should not.
On the diagonal, qalitAI confirms the decision faster. For the True Positives and True Negatives the score already gets right, full verified evidence arrives in seconds instead of days of document gathering. The decision is confirmed sooner, and the decision-maker holds audit-ready justification the moment the decision is made.
Across all four quadrants: on the off-diagonal qalitAI corrects the decision, on the diagonal it confirms the decision faster with less manual effort.
Credit scores weren't built for everyone. We were.
Millions of creditworthy people are invisible to traditional lenders. qalitAI changes that, one cash flow analysis at a time.