What Credeity verifies
Credeity does not verify equipment ownership, valuation, title, lien priority, or collateral condition. It verifies how the borrower's reported obligations and financial information compare to independently observed evidence within the authorized scope.
- Tier 1 general ledger to bank reconciliation across recurring obligations such as payroll, payroll taxes, rent or lease, and insurance. Statuses include Match, Partial Match, and Variance. When bank evidence or declared account coverage is incomplete, the finding is reported as Not Tested or Unable to Verify rather than as late or unpaid.
- SAM.gov exclusion screening for the borrower entity and related individuals in scope.
What varies by borrower type
The authoritative-source panel varies by borrower type. NPI registry and OIG LEIE checks apply to healthcare borrowers only. A general equipment finance borrower does not receive those screens. Findings that cannot be corroborated under the available coverage are stated as such.
Supplemental analytics
After verification, Credeity produces analysis from the corroborated evidence. These measures inform underwriting judgment. They are not substitutes for the verification findings.
- Payment Discipline Index (PDI) derived from authorized payment timing in the review period
- Payment prioritization: which obligations the borrower protects and which it stretches when cash tightens
- Receivables context: AR aging, DSO against borrower-type benchmarks where a cohort exists, and concentration that can shape repayment capacity
Where it fits
Order independent verification alongside your standard credit review for new schedules. For funded exposures, re-verification timed to the review cycle.