For healthcare lenders, SBA lenders, and bank credit teams
Underwrite Healthcare Borrowers
with Real Payment Data
Credeity analyzes borrower-authorized accounting exports to show how healthcare practices pay vendors, manage obligations, and signal early financial stress.
Borrower-authorized · Read-only access · Single-purpose processing
PAYMENT DISCIPLINE INDEX™
0–100 scale · Scores below 85 indicate elevated payment stress
Moderate operational variance · Further review warranted
Illustrative · Metro Dental Group · 19-month period
The Gap
Bureau trade data is voluntary, incomplete, and lagged. It cannot show obligation-level payment discipline derived directly from borrower accounting exports.
What you have
Bureau Credit Report
Reporting lag may apply · Vendor data voluntary
Credit Score
720
Good standing
File profile
Established: 2018 · 8 years in file
Recent inquiries: 3
Reported trade data
2 of 21 vendors reporting
SBA loan: Current
Equipment financing: Current
Not captured
— Payroll and tax payment timing
— Malpractice insurance discipline
— Vendor-level late payment detail
— Obligation-level stress signals
— Accounting-sourced transaction evidence
What Credeity adds
Payment Behavior Analysis
Borrower-authorized · Jun 2024 – Dec 2025
Payment Discipline Index™
81
Moderate operational variance · Further review warranted
Tier 1 obligations
Transaction-level · 4 critical obligations tracked
Payroll: 100% on-time
Payroll taxes: 93% · 3 late
Rent/lease: 94% · 1 late
Malpractice insurance: 100% on-time
Tier 2 operating vendors
21 vendors · 351 payments: 88% on-time
42 late payments identified: Max 18 days
Total volume: $547K · 19 months
A healthcare practice applies for a $400,000 equipment loan. Bureau file is clean — no derogatory marks, established trade lines. Credeity's analysis surfaces something the bureau cannot: in 6 of the 19 months reviewed, three or more distinct vendors received late payments. Payroll taxes, rent, and operating vendors all slipping simultaneously — a coordinated liquidity stress pattern. PDI score: 81. The bureau reflected no issues. Credeity identified the risk prior to closing.
A PDI score below 85 (on a 0–100 scale, where scores below 85 indicate elevated payment stress) with Tier 1 stress is not a data point — it's a finding. It indicates the borrower has been managing liquidity by delaying core obligations, a structural cash flow pattern that does not appear in bureau files and observed payment stress of this pattern often persists without active management. That finding either changes the structure of the deal or stops it.
Inside the Report
Executive Summary
PDI score, overall on-time rate, Tier 1 status, and a plain-language credit interpretation — structured for immediate underwriting use.
Credit Risk Indicators
Five structured signals: Payment Discipline Index (PDI), Tier 1 liquidity, operational vendor risk, payment pattern stability, and observed payment coverage — each with lender-facing interpretation.
Tier 1 Obligations
Payment-by-payment detail on critical obligations: payroll, taxes, rent/lease, and insurance. On-time rates, dollar volumes, and longest delay flagged per category.
Payment Performance & Timeliness
19-month trend of the Payment Discipline Index and monthly on-time rate — shows whether payment behavior is stable, improving, or quietly deteriorating.
Vendor Payment History
Complete transaction-level detail: every vendor, category, payment count, volume, on-time percentage, and maximum days late — supporting reference for underwriting files.
Methodology & Data Quality
Documentation of data sources, classification methodology, vendor tier definitions, and confidence indicators — supports underwriting file documentation and audit review.
In practice, this difference changes decisions.
Same bureau view. Two very different borrowers.
Bureau reports reflect reported credit history.
Credeity shows how the borrower actually pays.
Hidden Stress
Emerging liquidity stress beneath a stable bureau profile
Bureau view
Low–moderate risk · No derogatory marks · Limited trade data
Credeity finds
- 45 late payments (9.9%)
- Payroll tax payments delayed (Tier 1)
- Rent payments delayed (Tier 1)
- Concurrent delays across multiple vendors
- PDI: 100 → 81(score declined over 19-month period)
Hidden Strength
Sustained payment discipline beneath a similar bureau profile
Bureau view
Stable profile · No derogatory marks · Limited operating detail
Credeity finds
- 100% on-time (650/650)
- 100% of Tier 1 obligations paid on time
- No late payments observed
- PDI: 100 throughout full 24-month period
Bureau view
Stable
Stable
Credeity insight
Coordinated liquidity stress pattern
Sustained on-time payment performance
Credit impact
Structure changes
Confident approval
Illustrative · Based on actual report comparison
Pricing
PER ANALYSIS
$795
One borrower, one report, standard 48-hour turnaround.
Volume pricing available for portfolio reviews.
Case-based engagement. No subscription required.
What's included
- Independent third-party analysis
- Executive summary with PDI score
- Tier 1 obligation detail
- Full vendor payment history
- Delivered to lender portal within 48 hours
How Credeity Works
A lender portal-based workflow. No bank IT systems involved at any step. Accepts CSV exports from any accounting platform, including QuickBooks, Xero, and Sage.
Lender / Bank
Credeity portal
All processing occurs here
Borrower / Practice
Lender initiates case in portal
Borrower authorization email sent
Authorizes via secure link
one-time · read-only
Uploads accounting system export
Analyze payment behavior
48-hour turnaround
Report available in lender portal
Lender reviews report in lender portal
Borrower authorization is one-time and read-only. Reports are delivered to the portal within 48 hours.
About Credeity
Built by a CPA, CISSP, and CISA with direct experience in healthcare finance and institutional credit — and firsthand observation of how well-run practices are underserved by traditional credit data.
Learn More About Credeity →Lender Portal
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