Better Credit Decisions Start with Better Data
Accept more applicants while reducing risk. Aloan combines traditional credit with alternative data sources to give you a complete view of every borrower.
Manage Your Lending Workflow with Aloan
From application to approval to ongoing monitoring — all in one platform
Streamline Onboarding
Easily collect the right information from the borrower with a white labeled application and customer portal
- Connect credit bureaus & banks
- Verify identity & employment
- Collect documents automatically
Smarter Decisions
Leverage alternative data sources to expand lending and reduce risk beyond traditional credit scores.
- Cash flow & bank transaction analysis
- Auto-extract financial metrics
- Configurable risk policies
Ongoing Monitoring
Detect default risk early, identify upsell opportunities, and improve operational efficiency.
- Automated credit checks
- Early warning alerts
- Portfolio risk management
See Beyond the Credit Score
Our AI analyzes bank transaction data to generate comprehensive cash flow reports—giving you deeper insights into borrower financial health and repayment capacity.
Real-Time Cash Flow Scoring
Instant scoring based on 12+ months of bank transaction data.
Income & Spending Analysis
Track income stability, expense patterns, and net cash flow trends
Automated Risk Detection
Flag NSF fees, negative balances, and other warning signs automatically.
Build Trust with Verified Identity Mesh
Seamlessly verify customer identities by cross-referencing data across applications, government IDs, bank accounts, and credit bureaus. Our identity mesh technology ensures every data point tells the same story.
Comprehensive KYC Verification
Built-in identity verification checks government IDs, facial recognition, and liveness detection
Cross-Source Identity Matching
Automatically verify names, addresses, and dates of birth across all connected data sources
Real-Time Fraud Detection
Flag inconsistencies and suspicious patterns before they become problems
Seamless Customer Experience
One-time verification with instant results—no repeated document uploads or delays
Integrate Alternative Data Sources
Go beyond traditional credit scores to expand lending to new customer segments
Bank Transaction Data
Real-time cash flow analysis and spending patterns
- Income stability & consistency
- NSF & overdraft detection
- Expense categorization
Employment & Income
Verify employment income and employment history
- Payroll data verification
- Employment history verification
- Income stability analysis
Alternative Payment History
Utility, rent, and subscription payment data
- Utility payment records
- Rent payment history
- Subscription consistency
Identity & Fraud Detection
Comprehensive KYC/KYB and fraud prevention
- Identity verification
- Fraud risk scoring
- Document authentication
Enterprise-Grade Security & Compliance
Built for regulated financial institutions with the highest standards
Bank-Level Encryption
Access Controls
Regulatory Compliant
Audit Logging
Start Making Better Credit Decisions Today
Accept more applicants while reducing risk with the industry's leading credit data platform.