Independent Verification for Commercial Credit
For commercial lenders, credit unions, SBA lenders, CDFIs, and equipment finance teams
With borrower authorization, Credeity reconciles what a borrower reports against Financial-institution evidence and Authoritative-source evidence. The result enters the credit file the way an appraisal does: as evidence, not assertion.
Illustrative sample
Financial statements, bank activity, tax records, accounting data, receivables, public filings, and third-party records each tell part of the story. Credeity tests whether they tell the same story.
Credeity
Independent verification
Financial-institution evidence is currently furnished by the borrower. Credeity is building direct borrower-authorized retrieval so that this evidence is obtained rather than furnished. Reports state acquisition for every account.
Credeity obtains authoritative-source records directly: NPI, OIG LEIE, SAM.gov, UCC, and state licensing. IRS Form 941 transcript information is obtained by the lender under borrower authorization and reconciled by Credeity. Every report states the obtaining party and as-of date for each record.
No one coordinated these sources. That is precisely why they can be tested against one another.
Every verification follows a documented process. Each finding is traceable to the evidence and methodology that produced it.
| Layer | Deliverable | Outcome |
|---|---|---|
| Authorize | Scoped borrower consent, recorded | Permitted access |
| Coverage | Accounts and periods asserted by borrower, tested for continuity. | Known scope |
| Reconcile | Reported activity against observed bank activity | Exceptions surfaced |
| Verify | Federal registries and public records | Independent confirmation |
| Assess | Payment discipline, receivables, cash timing | Behavioral signal |
| Deliver | Verification findings into the credit workflow | The Evidence Report is one delivery format. |
| MonitorIn development | Continuous monitoring in development; re-verification available today | Updated evidence at review |
A general ledger says a workers' compensation premium was paid. Eighteen months of bank statements show no matching debit. State records corroborate that the coverage is active.
Coverage was complete for the period, so the report records this as a variance. Three explanations are consistent with the evidence. An operating account was not provided. A related entity is paying. Or the ledger entry is not backed by cash.
All three are material to an underwriter. None of them appear in a bureau file, a tax return, or a bank statement read on its own.
The discrepancy is the underwriting information.
Illustrative sampleCredeity records what produced each finding: the evidence used, the period tested, the coverage available, and the methodology version in force at issuance.
Claim tested
Workers' compensation expense recorded in the general ledger was paid from a bank account made available for testing during the review period.
REPORTED
$12,475.34
General ledger
OBSERVED
No corresponding debit identified
Bank activity, 18 months across the accounts made available for testing
VARIANCE
The general ledger records the obligation. The bank activity does not show it paid. Credeity reports the discrepancy, the evidence behind it, and the rule version applied, and leaves the credit conclusion to the lender.
Sample pages lenders review first. Select a page to view at full resolution.
Illustrative report pages using synthetic borrower data.
Illustrative sampleTier 1 Reconciliation - GL totals matched to observed bank amounts by obligation
Illustrative sampleCase Evidence Manifest - input hashes, retrieval timestamps, and methodology version at issuance
Continuous portfolio monitoring is in development, with no committed release date. For funded credits today, order re-verification for borrowers Credeity has analyzed before, timed to your review cycle.
Direct engagement.
A lender initiates a case, the borrower authorizes, and the Evidence Report enters the credit file. No integration required.
Embedded delivery.
Findings are available as structured data for delivery into a lender's existing systems, so verification is invoked where the credit team already works.
Ongoing monitoring.
In development.
Commercial terms are scoped to verification scope, volume, delivery model, and monitoring requirements.
Request accessIndependent
No stake in loan outcomes. Credeity does not originate, service, or participate in any credit it analyzes.
Deterministic
Verification rules are explicit and versioned. Findings preserve the methodology in force at issuance so the result can be reproduced and traced to the evidence that produced it.
Traceable
Every finding cites its source. Findings and evidence citations are retained for the contracted term, with a standard of 84 months. Source documents are retained for 90 days after delivery, then deleted. Derived transaction extracts from bank statements are retained for the findings term and survive source-document deletion. All deletions are logged.
Borrower-authorized
Analysis runs on records the borrower explicitly consents to release, under scoped permitted-use terms.
Lender-controlled
Credeity does not make, endorse, or participate in credit decisions. The recipient retains sole responsibility.
Portal access is provisioned within one business day.