The Power to Underwrite Anyone

Leverage a single platform to access unified consumer credit data from multiple sources, including international credit bureaus, bank data aggregators, payroll systems, and automated document data.

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More Ways to Reach New Consumers

Access trusted, consumer-permissioned financial data to unlock new consumer segments — all while maintaining your risk profile.

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More Ways to Integrate Multiple Data Sources

Leverage data from multiple sources, including credit bureaus, banks, payroll systems, and documents to increase coverage and uptime while optimizing for latency.

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More Ways to Reduce Portfolio Risk

Prevent fraud with source-based data and improve risk assessments with true income and more accurate debt-to-income ratios.

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More Ways to Automate Income Verification

Automate income verification processes with more data sources to increase coverage, improve completion rates, and reduce fraud.

Three Products, One Platform

Cash Atlas™

Improve your credit risk assessment using bank transaction data

Income Navigator

Automate income verification with higher completion rate, reduced fraud, and increased coverage

Credit Passport®

Quickly approve qualified newcomers for mainstream credit for better product terms

Nova Credit Platform

Scale consumer credit data onboarding and underwriting seamlessly within a single platform

Why Businesses Choose Nova Credit


Data sources across traditional credit bureau, bank data aggregators, payroll systems, and others.


Serving over four thousand customers worldwide.


Credit value unlocked for consumers.

Consumer Reporting Agency (CRA) Compliance

Nova Credit operates globally as a consumer reporting agency under the Fair Credit Reporting Act (FCRA) in the U.S. We gather consumer-permissioned data through integrations with international credit bureaus and domestic checking and savings account data aggregators. Our clients can approve, decline, and send adverse action notices, while we manage disputes.

Expert Analytics & Guidance

Nova Credit is led by a team of experts in credit risk and lending. Our dedicated services team delivers trusted integration services, strategic advice, and ongoing support.

Speed to Go Live

Avoid resource intensive experimental projects. With Nova Credit, you can implement cash flow underwriting or international credit data 9–12 months faster than in-house alternatives.

Purpose-Built for Credit Risk

Our solutions are designed to predict creditworthiness by transforming new data sources into proven risk insights.

Cash Flow Underwriting Summit 

Accelerating the adoption of cash flow underwriting in lending

A first-of-its-kind executive summit dedicated to exploring and advancing the practice of cash flow underwriting in consumer lending.  Industry leaders will share actionable use cases, explore regulatory changes, and discuss the evolution of open banking.

We're able to remove a barrier for the millions of newcomers to the U.S. who arrive each year and instantly lose access to the credit history they built elsewhere.

Daisy Gao | Vice President, Risk Management, Head of US Consumer New Accounts Underwriting

Let’s Grow Your Business Together

Submit your information and a member of our team will be in touch. about how we can grow your business together.

Announcing the Cash Flow Underwriting Summit: a first-of-its-kind executive summit dedicated to exploring and advancing the practice of cash flow underwriting in consumer lending.