Every borrower scored. Every lender decision tracked. Every repayment outcome recorded at 30, 90, 180, and 365 days. Verdis OS™ is building the outcome dataset that connects alternative credit dimensions to real-world repayment performance.
No one else has this data. Not FICO. Not the SBA. Not any individual CDFI. And every lender who joins gets access to the aggregate results.
Every Verdis Score is recorded at time of submission, then tracked through approval, funding, and repayment. This creates the ground truth that validates whether the 10-dimension model actually predicts outcomes.
We measure the exact number of days from match to lender decision. If Verdis-scored applications reach decisions faster, that is quantifiable cost savings you can measure.
Every outcome is tagged with demographic data. When Verdis-scored minority-owned businesses repay at the same or better rates, that data opens doors with funders and regulators.
The dataset grows with every borrower scored and every decision tracked. Early lender partners get access to aggregate insights as the dataset builds.
80% of small businesses that apply to CDFIs and community lenders are creditworthy but FICO-invisible. You are declining good borrowers because your underwriting tools were not built for them.
Drop into your existing workflow. No integration required to start.
Borrowers complete a 9-step assessment with raw financial data. No FICO pull needed. Takes under 10 minutes.
Our 10-dimension engine calculates a Verdis Score, runs lender matching against your criteria, and routes qualified borrowers to your pipeline.
Every decision you make is tracked through funding and repayment. The aggregate dataset proves whether the scoring model predicts real outcomes.
Each borrower is scored across 10 behavioral dimensions, giving you a complete picture of creditworthiness.
Cash Flow Consistency
Execution Discipline
Personal Credit Stability
Liquidity Stability
Banking Behavior
Debt Management
Revenue Reliability
Business Credit Strength
Operational Organization
Documentation Readiness
Only see borrowers who match your ideal profile. Filter by Verdis Score, risk band, industry, revenue, deal size.
Every borrower comes with a 3-sentence AI summary covering identity, strength/risk balance, and recommended action.
Verdis Score, profile match, structure fit, documentation readiness, and confidence — weighted to your criteria.
Track approval rates, conversion trends, risk distribution, and portfolio performance across your Verdis borrowers.
Set your minimum thresholds. We auto-match and notify you when a borrower crosses your readiness bar.
Track funded deals through 30/90/180/365 day repayment windows. Access aggregate cohort analytics including time-to-decision metrics and demographic disaggregation.
Verdis OS™ was purpose-built for CDFIs, community banks, SBA lenders, and impact-focused capital providers who believe creditworthiness extends beyond a three-digit number.
Tell us about your institution. We will set up your lender account, configure your Ideal Borrower Profile, and start routing matched borrowers to your pipeline within 48 hours.