BUILT FOR CREDIT UNIONS ($50M - $500M)

Find "Invisible Prime" Members Instantly.

Automate cash-flow underwriting using your existing data. Approve good borrowers that FICO ignores, and detect hidden risk flags in seconds.

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Works with Symitar, Fiserv, Jack Henry Exports

SMFlow Analytics

TRIAL VERSION (Expires: Dec 31)
23 Days Remaining
1. Configuration
Select CSV File
IDMap ▼
AmtMap ▼
2. Actions
Run Engine
Export PDFs
Export CSV
System Log
Loading export.csv...
>> Cleaning Data...
>> Normalizing...
>> Aggregating Profiles...
>> Calculating scores...
>> DONE. Processed 1000 rows.
Filter ID:
ID Score Segment Risk Flags Income
1000001 85 Tier A (High) - $10,366
1000002 25 Manual Review DETECTED $1,873
1000005 70 Tier A (High) - $9,685
Confidential: For Analytic Use Only. Not a Consumer Report (FCRA).

How it Works: 3 Steps to Safety

Designed for data privacy. Your member data never leaves your desktop.

1. Export Transaction History

Generate a standard CSV export from your core system (Symitar, Fiserv, Jack Henry).

We accept any format.

2. Map 4 Non-PII Fields

Drag the file into SMFlow. Map just 4 columns:
Member ID Date Description Amount.

No SSN or Names required.

3. Generate Profiles

The engine runs locally (offline). It cleans the data, detects risk flags, and produces audit-ready PDF reports for your loan file.

Start your pilot today.

Run a free 3-week "Proof of Concept" on your own data. No contracts, no IT setup, no risk.

Request Trial License Contact Founder

* SMFlow.AI is an analytic utility tool. It is not a Consumer Reporting Agency (CRA) and does not provide credit reports.