Cashflow Underwriting

Empowering financial services with FCRA compliant cashflow underwriting technology with or without a login

CashDynamics

TM

Identify the rhythmic and predictable patterns in cashflow cycles that indicate credit risk and credit demand for consumers who login

Categorization

Scores & Attr

Earnings & Spending

CashDynamics Offers

Categorization Designed for Lending

15,000+ merchants distilled into 60+ categories of consumer behavior built with >500 consumer finance, alt finance and BNPL companies categorized

Scores for Fraud & Payment Risk

Fraud, FPD and charge off risk scores returned with reason codes on the 300 to 850 scale

Income Validation

Income is more than a salary. It's all your earnings: gig, side, EWA, government, investment, transfers and more

For Consumer Finance

Evaluate borrowers' financial health and ensure they have a steady income to repay loans against their financial obligations

For Auto Finance

Analyze applicants' spending habits and determine their ability to manage monthly car payments and insurance status

For Rental Housing

Verify potential tenants' income stability and assess their capacity to afford rent consistently vs their financial obligations

ScoreMyCash Whitepapers

Get the insights you need for decisioning. Simply enter your email to access our white papers.

TM

CashVerifi

Get instant insights into income, cashflow behavior, financial obligations and more without a login

Sub 2 Seconds

Income & Spending

Spending & Obligations

CashVerifi Offers

Instant Decisions

Cashflow analytics and behaviors available without a login for instant insights and decisioning flows

Income Summaries

Summaries statistics about income from salary, gig, side, EWA, government, investment, transfers and more

Obligations & Spending

See attributes about financial and household obligations, living expenses and many other categories

For Consumer Finance

Analyze cashflow statistics on behavior and income to gauge borrowers' financial reliability and loan repayment potential

For Auto Finance

Assess summary bank data on income and obligations to determine applicants' qualification prior to full underwriting

For Rental Housing

Summary bank statistics on cashflow and income to verify tenants' financial stability and their ability to consistently pay rent

ScoreMyCash in Production

Technology accessible for the way you work

ScoreMyCash via API

Batch files via SFTP

Partner with ScoreMyCash (SaaS)

FAQs

B2B FAQs

Why us?

ScoreMyCash is the only finance app that shows you how your spending, earnings, and lending potential compare to other people so you are not missing out on opportunities.
What is your refund policy?

We do not offer refunds, but canceling your subscription is easy. Plus you'll have access to the app until your subscription ends.
How do I cancel my subscription?

In the app you can easily change your option to Free and you will no longer be charged. You will still have access to the Premium features until the end of your paid period.
What steps are involved in signing up?

Step One: Connect - Securely connect your bank accounts in less than 2-minutes Step Two: Share & Compare - Share a few details about yourself so we can find people like you Step Three: Know More - Get notifications so you can reduce your spending, increase your earnings, and find credit opportunities
Which option is best for me?

Our most popular option is Paid Annually. It includes the most comprehensive features plus it is the cheapest option per month. If you're not sure, try the Free version to see how the app works.
How much does this cost?

Use our Free version to get started. The Paid Annually option is $1.99 per month with an annual paid subscription of $23.99 or you can choose the 3-Month option for $8.99 every 3 months.
Do you have a monthly option?

No, but you can use our Free option to try or our 3-Month option. The 3-Month option helps you see the value and when you are ready you can save even more with the one-time Paid Annually option - up to 33%!
Does it cost money to sign up?

No. Sign up for the Free version and Try Before You Buy (TBYB ).
Do you offer discounts?

No. But we love to hear from our customers. Please share your ideas at below in the Contact Us form.
How do I pay for the app?

On our website click the link to download the app and create an account. Then choose your payment option: $1.99 monthly (paid Annually for $23.99) OR a 3-Month option for $2.99 per month (paid every 3 Months for $8.99). In the app click the "Upgrade to Premium" option in the Menu to be redirected to the pricing options and follow the prompts.
Is my data secure?

We store data using bank-level 256-bit encryption on our servers and are constantly updating our platform to use the latest security recommendations.
How do I delete my data?

Send us an email at the Contact Us form below and we will respond to you.
Is my bank account safe?

We use Finicity to securely connect to more than 12,000 financial institutions across the U.S. During the sign-up process you will be asked to enter your online banking credentials. These credentials are not stored by us and never touch our servers. Your credentials are sent through Finicity to your bank account. Finicity then sends us an encrypted token which provides access to your transaction data. We cannot make any changes to your bank account. and you can revoke our access to your bank account by unlinking your account at any time.

CONNECT WITH US

We look forward to working with you