Existing platforms manage workflow and automate analysis. Credeity independently establishes what the available evidence supports before that evidence becomes part of a credit recommendation. No system replacement, no infrastructure overhaul.
Credeity fits into the underwriting process lenders already follow for commercial credit. It adds an independent verification step to the tax, legal, bureau, and compliance checks already used in commercial credit review, testing borrower-reported evidence against financial-institution and authoritative-source evidence before that evidence supports a credit recommendation.
Canonical engagement flow
- Lender initiates the case
- Borrower authorizes and provides accounting exports and bank statements
- Credeity establishes coverage: the accounts and periods available for testing
- Credeity obtains authoritative-source records directly: NPI, OIG LEIE, SAM.gov, UCC, and state licensing. IRS Form 941 transcript information is obtained by the lender under borrower authorization and reconciled by Credeity. Every report states the obtaining party and as-of date for each record.
- Credeity reconciles borrower-reported evidence against financial-institution and authoritative-source evidence
- Credeity reports the verification outcome. Each tested item retains its verification status, source, and as-of date.
- Lender determines credit significance
1. Start with your standard diligence
Most lenders already collect core underwriting inputs such as borrower financials, tax returns or transcripts, UCC and lien searches, commercial bureau reports, and license checks. These sources help establish identity, filing history, public-record risk, and baseline financial performance.
2. Add Credeity to test what the borrower reported
Credeity reconciles borrower-authorized accounting and receivables data against financial-institution evidence and authoritative-source records. Each tested item carries a verification status, a source, and an as-of date. What that testing reveals is how the borrower actually manages recurring obligations over time, across payroll, payroll taxes, rent, insurance, and operating vendors, together with inbound receivables indicators such as DSO, aging, and concentration.
3. Reconcile what the file is telling you
Credeity is most valuable when used to corroborate or challenge the rest of the credit file. When tax transcripts, bureau data, lien searches, or receivables evidence align with Credeity, lenders gain stronger confidence in the underwriting narrative. When they diverge, lenders know where to ask additional questions before closing.
4. Strengthen the credit memo with cited evidence
Findings enter the credit memo as evidence rather than assertion. Each one states what was tested, against which source, with what result, and as of when. Where a finding could not be corroborated, it says so rather than presenting a gap as a conclusion. That gives credit write-ups, policy exceptions, and examiner review something traceable to an independently obtained source.
Where Credeity fits
Traditional diligence shows:
- Tax returns and transcripts
- UCC liens and public filings
- Commercial bureau history
- License and entity status
Credeity adds:
- Independent reconciliation of borrower-reported obligations against bank evidence
- Verification of entity, registry, and exclusion records against authoritative sources
- A verification status, source, and as-of date on every tested item
- Explicit statement of what could not be corroborated and why
- Observed payment and receivables behavior across the review period
Underwriting stack
Credeity sits before analysis and before human judgment. Evidence is independently corroborated first, and everything downstream operates on that corroborated evidence.
Credeity provides supplemental underwriting analysis only. It does not make credit decisions and is intended to be used alongside a lender's existing underwriting standards, policies, and third-party diligence processes.
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