IntegrityCheck provides critical borrower data, helping consumer lenders avoid account interruption and improve collection rates–all while staying compliant.
Book a call today
Consumer lenders are navigating evolving regulations, rising interest rates, and increasing defaults. IntegrityCHECK equips you with real-time data to make informed decisions and protect your lending operations.
Small Dollar Lenders will soon lose the ability to withdraw payments from accounts after two failed attempts. With IntegrityCHECK, you can verify fund availability beforehand to stay compliant and reduce risk.
Collections teams operate blindly, treating all borrowers the same leading to missed payments and wasted resources. Use IntegrityCHECK to focus your collections efforts, minimizing missed payments and wasted resources.
Inflation is significantly impacting your customers, and credit bureau data is not telling the full story. IntegrityCHECK provides up-to-date financial insights to give you a clearer picture.
Validating borrower hardships can be lengthy and manual. Automate the process of validating cash flow and offer data-driven settlement options to improve recovery rates.
Running your business is now easier with comprehensive payment strategies. Sell products, drive profit, and be ready for the future when cannabis is federally legalized.
Navigate approvals from perceived product risk, underage sales, and subscription complexities to stay compliant with regulations.
Improve the customer experience by offering preferred payment methods, reducing wait times, and increasing convenience.
Improve the customer experience by offering preferred payment methods, reducing wait times, and increasing convenience.
Minimize security risks, remain resilient even in unforeseen circumstances such as business shutdowns, and ensure your business can continue to thrive.
Leverage enhanced onboarding and repayment tools to reduce first payment defaults drastically.
Payment Waterfall Strategy
Apply a structured approach to managing debtor payments, prioritizing them to maximize recovery rates effectively.
Real-time Payroll Details
Gain access to up-to-date payroll data to enable quick, precise financial decisions.
Bank Account Verification
Quickly verify bank details to secure transactions and minimize the risk of financial fraud.
ACH Payments
Utilize non-traditional data sources to enrich risk assessments and provide a more comprehensive view of borrower creditworthiness.
Credentialed Banking Aggregation
Seamlessly integrate and manage banking data, ensuring full security and compliance.
Borrowers Consent
Your customers grant IntegrityCHECK permission to access their financial data through your loan documents, ACH agreement, or similar documents.
Account Validated
You share customer data to authenticate account ownership & activity such as: SSN, DOB, Address, AN/RN.
Drive Growth and Cut Costs
Quickly verify bank details to secure transactions and minimize the risk of financial fraud with both credentialed and non-credentialed solutions.
Pre-Funding Check
Avoid funding overdrawn accounts by ensuring borrowers have sufficient balances before releasing loans.
Monitoring
Track account activity and trends to anticipate issues and manage collections proactively.
Collections
Concentrate on accounts with available funds and enable partial payments to increase recoveries.
Increased Recoveries
Quickly verify hardship claims to save time and resources while maintaining a customer-first approach.
Provide borrowers swift access to funds with versatile payout solutions.
On-Demand and Batch ACH
Provide flexible ACH payment options to accommodate your cash flow needs effectively.
Push to Card
Enable instant fund transfers directly to debit or credit cards to ensure rapid access to funds for borrowers.
Branded Prepaid Card Issuing
Enhance customer loyalty and provide convenient payment solutions with custom branded prepaid cards.
Bank-to-Bank Transfers
Facilitate secure and efficient transfers between banks, optimizing your financial operations.
Personal Lenders
Easily onboard, monitor, and collect with real-time financial data at your fingertips.
Small Dollar Lenders
Ensure compliance with the Two-Strike rule—ensure customers have sufficient funds before attempting a payment.
Point-of-Sale Financiers
Reduce failed payments and maximize recoveries by prioritizing accounts with data-driven precision.