Deeper Data, Richer Scores, Better Predictions

Leveraging multiple data sources and deep credit analytics expertise, the NovaScore Cash Flow enables lenders to quickly evaluate consumers with a credit risk score based on bank transaction data (not credit data).

NovaScore Cash Flow (NSCF): A powerful risk score built on bank data

NSCF enables lenders to make credit decisions with a more comprehensive view of applicants' financial health. Whether used alone or in conjunction with traditional credit scores or models, NSCF delivers significant boost in predictive performance.

Confident, compliant credit decisions

Built from 1,000+ rigorously tested FCRA-compliant attributes and accompanied by adverse action codes, NSCF makes cash flow underwriting easy. Gain the confidence to approve more applicants with a clearer picture of risk, while ensuring compliance.

NSCF vs. Traditional Credit Scores

How does NovaScore differ from traditional credit scores?

Cash Flow data captures recent (at the time of application) and historical information.

Credit reporting has at least a one month lag, potentially missing important financial changes.

Over 95% of U.S. population has a bank account, increasing coverage over traditional credit data.

Approximately 1 in 5 Americans are credit invisible or unscoreable with traditional scores.

Cash flow data captures a more complete picture of financial activity, including assets, expenses, and income.

Credit data captures an incomplete picture of an applicant's financial heatlh, relying primarily on their history of loan repayment.

Cash flow data captures large expenses such as rent, utilities, and debit card data.

Many significant expenses are not captured in traditional credit data, leaving a narrow view of financial activity to calculate risk.

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More Ways To Get to Yes

Approve more applicants with confidence. NovaScore Cash Flow helps you accurately assess risk for applicants you may have traditionally declined and helps the 60 million thin and no file consumers in the US demonstrate their creditworthiness.

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More Ways To Get a Comprehensive View Into Consumer Credit Risk

Monitor warning signs of risk earlier — risk factors can show up in bank transaction data before reflecting in credit bureau report data.

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More Ways To Predict, Test, and Stay Compliant

NovaScore models are built on over 6M tradelines, have been demonstrated to provide lift, and are FCRA- and ECOA-compliant.

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.

Explore the Future of Consumer Credit Today

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.