Platform

Cash Flow Insights

One integration. A complete new dimension of credit intelligence. qalitAI slots into your Loan Origination System and begins delivering richer applicant profiles from day one.

Core Product
Cash Flow Intelligence Engine

qalitAI's SaaS platform connects to your existing Loan Origination System via a lightweight API integration. Once connected, every loan application is enriched with a deep cash flow analysis, pulling up to 24 months of transaction history and surfacing the patterns that matter to underwriters.

New cash flow objects map directly into your LOS data model. Your team sees what they've always wanted to see: not just a score, but a story. How does this person actually manage money? Is income stable? Are obligations being met? Is financial health improving?

Transaction Categorization
AI-powered classification of income, expenses, and cash flow patterns from raw bank data.
Income Stability Detection
Multi-factor assessment of income regularity, and source diversity.
LOS Object Mapping
Direct integration into your existing loan origination workflow, no custom dev required.
Velocity and Trend Analysis
Spot improving or deteriorating financial behavior over rolling 12 and 24-month windows.
Underwriter Reports
Clean, readable summaries your team can use in credit memos and examiner files.
Adverse Action Support
Compliant, explainable factor codes for any declined applicant under FCRA/ECOA guidelines.

Ready to see it in action? Request a demo or ask us anything,
we'll walk you through an integration specific to your LOS.

< 10 sec
Analysis Time
24 mo
Data Lookback
99.9%
Uptime SLA
Day 1
Time to Value