Is borrower authorization required?
Yes. Every analysis requires explicit borrower consent for the specific evaluation. Borrowers receive a secure link to authorize a one-time, read-only accounting export. Credeity does not access any data without that authorization in place.
How is this used alongside D&B or LexisNexis?
Credeity is a complement to bureau data, not a replacement. Bureau reports surface trade line history and derogatory marks. Credeity surfaces vendor-level payment discipline derived directly from accounting exports — obligation timing, Tier 1 coverage, and stress signals that bureau data cannot show.
How quickly is analysis delivered?
Standard turnaround is 48 hours from the time borrower authorization is received and the accounting export is complete. Volume or portfolio engagements may have custom timelines.
Does Credeity originate loans?
No. Credeity does not originate loans, represent borrowers, or hold any lender or broker license. Every analysis is delivered as an independent third-party report for the lender's internal credit evaluation use only.
Is Credeity a consumer reporting agency?
No. Credeity is not a consumer reporting agency as defined under the Fair Credit Reporting Act (FCRA). Reports are delivered solely for institutional credit evaluation purposes.
What does an analysis cost?
$795 per analysis, with volume pricing available for portfolio reviews. No subscription required — each engagement is case-based.
Which accounting platforms are supported?
Credeity accepts CSV exports from any accounting platform, including QuickBooks, Xero, and Sage. The borrower exports directly from their accounting software — no integration or API connection required.
How is borrower data protected?
All data is processed under TLS 1.2 encryption in transit and AES-256 encryption at rest. Access is restricted to the authorized analysis only. Credeity operates under documented data handling, access control, and retention policies designed for regulated financial institution workflows.
What if a borrower declines to authorize?
Authorization is always voluntary. If a borrower declines, the analysis is not performed and no data is accessed. Some lenders treat a declination as relevant context in their underwriting review.
Where can I learn more about the methodology?
For a deeper look at how payment behavior data fits into healthcare underwriting, read our research note: Reducing Underwriting Surprises in Healthcare Lending →
How does Credeity fit into SBA underwriting?
Credeity is used as supplemental third-party documentation alongside standard SBA credit analysis. The payment behavior report provides transaction-level evidence of how a healthcare borrower manages operating obligations — supporting the lender's credit narrative without replacing any required SBA file components.