For healthcare lenders & SBA 7(a) credit teams
See what
bureaus miss
Independent cash-flow analysis — outflow discipline and inflow reality from borrower-authorized accounting exports.
The gap bureaus cannot close
Trade data is voluntary, incomplete, and lagged. It does not show how a practice pays payroll and vendors — or how it collects from payors.
Outflow
Obligation-level payment discipline: payroll, taxes, rent, insurance, and vendor stretch. Sourced from bill payment history, not bureau trade lines.
Inflow
Receivables health: aging distribution, DSO vs practice-type benchmarks, payor mix, and concentration. Available before you underwrite repayment capacity.
How it works
A portal-based workflow. No bank IT integration, no API. Accepts exports from QuickBooks, Xero, Sage, and similar platforms.
Initiate case
Lender initiates a borrower analysis in the Credeity portal.
Borrower authorizes
One-time authorization. The practice uploads accounting exports securely.
Credeity analyzes
Outflow and inflow cash-flow analysis with standard 48-hour turnaround.
Report delivered
Structured report appears in the lender portal for underwriting review.
What you get
- Payment Discipline Index™ with executive summary
- Tier 1 obligation detail: payroll, taxes, rent/lease, and insurance
- Full vendor payment history and stretch indicators
- Accounts receivable aging, DSO, and practice-type benchmarks
- Payor mix and top-payor concentration analysis
- Collection-side observations rated Normal, Watch, or Elevated
- Delivered to your lender portal within 48 hours
One report. No retainer.
$795
One borrower, one report, standard 48-hour turnaround. No subscription required. Report documentation supports examiner inquiry, annual review files, and credit committee presentations.
Volume pricing available for recurring engagements. Contact info@credeity.com.
Start with one analysisSee what your next credit file is missing.
Portal access is provisioned within one business day. Existing lenders sign in directly.