Platform

Cash Flow Insights

One integration. A complete new dimension of credit intelligence. qalitAI slots into your Loan Origination System and begins delivering richer applicant profiles from day one.

Core Product
Cash Flow Intelligence Engine

qalitAI's SaaS platform connects to your existing Loan Origination System via a lightweight API integration. Once connected, every loan application is enriched with a deep cash flow analysis, pulling up to 24 months of transaction history and surfacing the patterns that matter to underwriters.

New cash flow objects map directly into your LOS data model. Your team sees what they've always wanted to see: not just a score, but a story. How does this person actually manage money? Is income stable? Are obligations being met? Is financial health improving?

Affordability Indicator
Identify what a borrower can realistically afford based on their cash flow patterns.
Income Stability Detection
Multi-factor assessment of income regularity, and source diversity.
LOS Object Mapping
Direct integration into your existing loan origination workflow, no custom dev required.
Velocity and Trend Analysis
Spot improving or deteriorating financial behavior over rolling 12 and 24-month windows.
Underwriter Reports
Clean, readable summaries your team can use in credit memos and examiner files.
Adverse Action Support
Compliant, explainable factor codes for any declined applicant under FCRA/ECOA guidelines.

Ready to see it in action? Request a demo or ask us anything,
we'll walk you through an integration specific to your LOS.

< 30 sec
Analysis Time
24 mo
Data Lookback
99.9%
Uptime SLA
Day 1
Time to Value
The Expense Framework

Four tiers of spending, defined.

qalitAI sorts every outflow into one of four tiers. The order is deliberate: from the payments a household cannot miss to the spending it can adjust at will. This is the vocabulary your underwriters and examiners read on every report.

Obligated
Fixed contractual debts the borrower is bound to each month, such as a mortgage, rent, or loan payment.
Committed
Looser recurring monthly commitments that repeat by subscription or habit rather than contract, such as utilities and memberships.
Operational
Frequent, week-to-week spending that keeps a household running, such as groceries and fuel.
Discretionary
The flexible spending a borrower can adjust when priorities change. Everything the first three tiers do not claim.