Credit Decisioning & Cash Flow Intelligence — Prestatech
End-to-end credit decisioning for consumer and SMB lending
Empower smarter lending with cash flow scoring and analytics
Prestatech enables banks to make instant, automated credit decisions. The platform combines bureau data, real-time cash flow analytics and scoring with a configurable policy engine to deliver a decision in seconds. Every borrower is then monitored on live transaction data to catch risk early. Recognized by CNBC and Statista as one of the World’s Top Fintech Companies 2026.
Key Features
Multidimensional credit assessment, with data streams spanning bureau data, registries and transaction data (via Open Banking or document parsing).
Purpose-built scorecards from transaction data: proprietary PSCORE, DSCR, affordability and 50+ behavioral insights.
Configurable decision engine with human-in-the-loop routing for edge cases and backtesting.
Ongoing monitoring on live transaction data, with early warning signals, covenant tracking and sanction screening.
Benefits
Faster, higher-quality decisions for both consumer and SMB applicants.
Lower defaults, healthier books with cash flow signals that catch deteriorating borrowers early.
Capture borderline applicants with counter-offers, not a binary yes or no.
Explainable and audit-ready decisions, aligned with FCRA, ECOA/Reg B, EBA guidelines, GDPR and the EU AI Act.
Resources
Cash flow analytics decisioning
ISV Assessments/Awards
ESG & Enterprise Readiness Assessment Scores for Prestatech conducted by The Disruption House
| Category | Award | Date |
| Business Resiliency Accreditation | Builder | November 2024 |
| Sustainability Accreditation | Builder | November 2024 |
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