AI Risk intelligence for modern lenders

Lending with the
power of data.

Automated risk mitigation solutions super-charge your business growth.

Book a demo →Explore products
Live decision stream● LIVE
APPLICATIONCHANNELRISKSCORECASHFLOW
HEALTH
APP-20931Online leadLow782118/150
APP-20932Direct mailMedium65586/150
APP-20933Online leadVery High41224/150
APP-20934Online leadLow741104/150
APP-20935Direct mailHigh53847/150
782
Repayment probability
High
IceFlow · bank account
✓ Verified
Our solutions

Three products.
Two Perspectives. One mission.

Each product stands on its own. Integrate only the ones you need into your own systems.

View all products →
Lead screening

IckSecurity

Fights fraud and validates phone, email, & IP early, quickly, and accurately.

RISK LEVEL
Low
Medium
High
Very High
80%+
lower bad-contact rate
25%+
better conversion & CPFL
Learn more →
Credit scoring

IckScore

A new credit-history score and data set that grows portfolios with lower FPD and higher ROI.

726ICKSCORE300850
50%+
ROI & FPD improvement
25%+
larger portfolio
Learn more →
Bank data

IceFlow

Leverage the power of banking data to improve efficiency and portfolio performance.

IceFlow score108 /150
Direct depositsBi-weekly · $5,265/mo
Liabilities2 outstanding loans
0–150
IceFlow score range
Web app
integrated with your system
Learn more →
How it works

Covering every step of your lending flow.

Use each product on its own or combine them. IckSecurity and IckScore each connect through their own API; IceFlow is a web application your team uses directly.

01

Application

Online lead or direct-mail response enters your system

02

Screen

IckSecurity validates phone, email, IP, address and bot status

03

Score

IckScore returns a 300–850 score plus 7-year history

04

Verify

IceFlow confirms income, pay dates and open loans

InstallmentPaydayLine of creditAuto loan
Our mission

Built for lenders who move fast and stay safe.

Everything we build serves three commitments to our clients.

Streamline lending

Automate underwriting so your team makes decisions in seconds instead of hours.

Grow profitability

Approve more good customers, improve ROI, and lower CPF.

Protect your data

AES-256-bit encryption at rest and in transit, backed by ISO 27001-certified security management.

Ready to lend with the power of data?

Talk to our team about a free test on your own applications.