AI FOR COMMUNITY LENDING

The Intelligence Layer for Modern Underwriting.

A secure, desktop-native AI engine that uncovers "Invisible Prime" borrowers and detects hidden risk patterns in milliseconds.

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Local-First Inference (Zero Cloud Transfer)

SMFlow Analytics

vProd_MODE
Expires: 2026-01-17
Analysis Mode
SMFlow Decision Engine
Metrics
DTI % 8.3%
Vice Ratio 12%
Live Inference Log
10:22:15 Ingesting core_export.csv...
10:22:16 Analyzing cash flow velocity...
10:22:18 Detecting credit stacking...
10:22:20 SUCCESS: 98% Confidence
Borrower ID Score Segment Monthly Inc
Edge_Decision_Prime 100 Tier A $17,674
Edge_Stable_Beta 75 Tier B $4,250
Confidential: Analytic Use Only. Not a Consumer Report (FCRA).

The Problem We Solve

Credit Unions are currently trapped between rejecting good members who have low FICO scores and accepting bad members who hide risky habits. SMFlow.AI solves this by using Local-First AI to analyze transaction data. We identify the 'Invisible Prime' borrowers FICO misses and detect hidden default risks (like gambling or loan stacking) in seconds—all without the member's data ever leaving your secure network.

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The average loss on a defaulted auto loan is ~$15,000.

SMFlow catches the hidden risk factors—like gambling addiction and payday loan stacking—that FICO scores miss.

If SMFlow prevents just ONE default this year, the software pays for itself.

Cost of 1 Default
$15,000
Average Write-off
ROI of SMFlow
Positive
From Day 1

The "Underwriting Blind Spot"

Credit Unions are currently trapped between two risks:

Ability To Repay (ATR)

Go beyond debt-to-income. Our ATR module calculates real-time affordability by analyzing cash-flow velocity and essential vs. discretionary spending ratios.

  • Real-time DTI calculation
  • Residual Income Analysis
  • Burn Rate Monitoring

Income Verification

Instantly validate direct deposits, gig economy earnings, and government benefits. Detect income inconsistency before it impacts repayment.

  • Employer Name Extraction
  • Payroll Frequency Detection
  • Stability & Continuity Scoring

Plaid Integration

Seamlessly connect participants' bank accounts for automated, zero-touch data ingestion. High-fidelity data without manual CSV reliance.

  • Real-time Balance Verification
  • Instant Transaction Ingestion
  • Secure OAuth Flow

Credit Report Analysis

Augment traditional FICO data with deep behavioral analysis. Identify "Invisible Prime" candidates with high scores but low FICO history.

  • XML/PDF Ingestion
  • Tradeline Health Scoring
  • Credit Stacking Detection

SMFlow.AI – Automated Cash-Flow Intelligence

A desktop-native AI engine that ingests raw transaction history and returns a comprehensive Risk & Affordability Profile in under 2 seconds.

Growth

Identify stable income sources that look volatile on paper.

Safety

Detect hidden distress signals (NSF, predatory loans, vice).

Speed

Reduce 45 minutes of manual review to instant decision support.

Zero Integration. Zero PII. Zero IT Headache.

SMFlow is designed to work seamlessly with your existing infrastructure without complex integrations or data security concerns.

The Intelligence Core

We use "Glass-Box" Deterministic NLP to turn raw data into decisions.

Deterministic NLP

Context-aware categorization engines tagging thousands of transaction types (Payroll, Gig, Subprime Lenders) with 99% accuracy.

Predictive Modeling

We don't just calculate totals. We model Income Volatility and Repayment Capacity to find stable borrowers others miss.

Anomaly Detection

Instantly identifies complex risk behaviors like "Loan Stacking" (using multiple predatory apps) that traditional credit reports often delay.

Interactive Analysis View

SMFlow AI Core • Live Inference

98% Confidence
Latency: 12ms

Risk Capture: High-income earner with significant insolvency indicators. Traditional scoring may miss this burn rate risk.

40 Score
Stability: 10%
Debt Capacity: 10%
Account Integrity: 30%
Risk Deductions: 50%
0%
DTI Ratio %
75
Stability Index
Stacking Pattern
0
Verified Healthy
Residual Liquidity
$6,088
Net Monthly Cash Flow

Deterministic Engine • Local-First Execution • Proprietary Weighted Scoring

New Module

Unmask the Invisible Threats to Your Portfolio.

Legacy systems wait for defaults. SMFlow proactively hunts for synthetic IDs, loan stacking, and bust-out fraud patterns before the money leaves your vault.

Synthetic ID Hunter

Detects fabricated profiles using behavioral metadata.

Velocity Checks

Flags rapid-fire application attempts across networks.

Bust-Out Prediction

Identifies credit line max-out behavior early.

Income Verification

Validates direct deposit sources vs. gig economy noise.

99.8% Accuracy
Live Fraud Monitor
SESSION: ID_9928
Synthetic Identity
CRITICAL

SSN Creation Date > DOB Year

Identity Verified
PASS

Biometrics Match

View Full Risk Report

Enterprise Grade Security

Built for "Zero Trust" banking environments. We bring the AI to your data, not the other way around.

Local Inference (Offline)

Data never leaves your machine. The ML engine runs locally on your CPU. Zero data transmission risk.

FCRA Compliance

SMFlow is an analytic utility for marketing segmentation and "Second Look" review. We are not a CRA.

Non-PII Analysis

The algorithm requires only anonymized transaction data. No Names or SSNs required for scoring.

Audit Trail

Every run generates a local CSV audit log, ensuring you have a paper trail for every decision.

Experience the AI Advantage.

Run a free 3-week "Proof of Concept" on your own data.

Request Trial License Contact Founder