Tenant Screening
Automate workflows and reduce fraud with wide-coverage income verification
Accelerate approvals, reduce tedious tasks, and avoid fraudulent renters with our customizable, end-to-end income verification solution, Income Navigator.
Partners have seen conversion rates improve up to 80% over previous solutions by leveraging our waterfall with bank, payroll, and pay stub data.
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How Income Navigator Works
Create a true picture of income with broad coverage bank data, payroll systems, and pay stub data. Leverage an efficient and accurate process to confirm an applicant’s income in seconds.
Nova Credit automatically triggers a waterfall process to verify the applicant’s income through multiple sources. User journeys are highly adaptable to maximize conversion rates.
Applicants will be guided to connect one or multiple bank account(s), and can choose to upload a pay stub if they are unable to connect a bank account. Pay stubs are automatically reviewed for fraudulent activity.
Nova Credit delivers income verification data directly via API so you can make informed decisions instantly. Income verification can also be delivered via PDF to maximize speed of implementation.
Why Income Navigator for Tenant Screening
Increase conversions by up to 80%
Income Navigator's waterfall provides broad coverage with 98%+ of the U.S. market, leveraging bank data, payroll systems, and pay stub data.
Improve unit turnover time
Screen applicants faster with customized workflows and with more certainty to stabilize rental income streams.
Reduce risk of fraudulent renters
Access income data straight from the source, scan documents for fraud, and automate the internal review processes for better income reporting.
How we're different
Multiple Ways to Collect Income Data
All-in-one solution to collect bank, payroll, and pay stub data through multiple data aggregators or manual document upload.
Fraud-resistant Data
Use seasoned data collected directly from banking institutions (or payroll for income) to reduce risk of fraud.
Income Model
Get a true picture of income with multiple income types, including traditional, gig economy, and alternative income.
Customer Operations and Dispute Management
Leverage full-service customer management for data related disputes, currently executed for global banks.
Customized Workflows
Create customized consumer experiences using embedded and no-code options and retrieve processed data through role-based dashboard access or an API integration.
Consumer Reporting Agency (CRA) Compliance
Nova Credit operates as a consumer reporting agency, built with multi-national regulatory frameworks in mind to support large enterprise needs.
By The Numbers
98%
Broadest Coverage: 98%+ of the U.S. market, leveraging bank data, payroll systems, and pay stub data.
4k+
Widespread adoption: over 4,000 customers use our Income Navigator solution.
80%
Conversion lift: Partners have increased conversion rate by a factor of 80%.
Nova Credit’s income verification tool has delivered excellent, tangible results for our business — higher loan conversion, a shorter time to fund, and ultimately a great member experience because the process is so seamless.”
Ratinder Bedi | Chief Credit Officer, SoFi
Let’s Grow Your Business Together
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