Underwrite Healthcare Borrowers with Real Payment Behavior Data
Credeity analyzes borrower-authorized accounting exports to show how businesses pay vendors, manage obligations, and signal early financial stress before the credit decision.
Built to complement bureau data with real payment-behavior insight.
Used alongside financial statements and traditional bureau data.
Available to approved institutional lenders.
What the Analysis Covers
- Payment timing discipline and volatility.
- Vendor concentration and payment coverage.
- Early financial stress signals.
- Structured for inclusion in the credit file and underwriting documentation.
Why Lenders Use It
Traditional bureau data shows only part of the picture. Credeity adds operating payment behavior lenders need to see before the credit decision.
Pricing
$495 per analysis
Priced similarly to other third-party underwriting inputs such as appraisal, valuation, or field exam services.
Missed risk signals may result in materially higher credit exposure than the cost of the analysis.
Case-based engagement. No subscription required.
Engagement Workflow
Borrower Authorization & Data Access
The borrower authorizes access to accounting system exports for the requested evaluation.
Payment Behavior Analysis & Structuring
Payment timing, vendor concentration, and operating obligation patterns are analyzed and structured into an underwriting-ready format.
Credit-Ready Report Delivery
The completed analysis is delivered within 48 hours, structured for inclusion in the credit file and underwriting documentation.
Report Preview
Credeity delivers a structured report for inclusion in healthcare credit files.
Example — Elevated Risk Profile (Illustrative)
Illustrative example showing early-stage stress signals
Reports may highlight either strong payment discipline or early-stage risk indicators depending on borrower behavior.
Where Lenders Use This
Credeity supports multiple points in the healthcare credit lifecycle.
Case-Based Evaluation
Structured payment behavior analysis added to individual healthcare credit files.
Portfolio Monitoring
Ongoing borrower behavior tracking between financial statement reporting cycles.
Pre-Closing Risk Review
Independent behavioral signal provided prior to final credit approval.
FAQ
- Is borrower authorization required?
- Yes. Credeity analyzes accounting system exports only after borrower authorization.
- How is this used alongside D&B or LexisNexis?
- Credeity complements traditional bureau data by analyzing payment behavior derived directly from borrower-authorized accounting records, including vendor payment timing, concentration, and early-stage operating stress not visible in bureau files.
- How quickly is analysis delivered?
- Standard delivery is within 48 hours following borrower authorization and data receipt.
- What data is required?
- Borrower-authorized accounting system exports (e.g., QuickBooks CSV or similar general ledger transaction exports).
- How is data handled?
- Data is processed securely and used solely for the authorized evaluation. See the Data Handling & Privacy page for more details.
- Does Credeity originate loans?
- No. Credeity provides independent third-party payment behavior reports and does not originate loans or represent borrowers.
Lender Portal
For existing clients to access completed analyses and manage case-based evaluations.
New institutional client? Request portal access