How RIKI® Helps
Less risk, more qualified loans
Lenders use alternative credit factors like rent payment or residual income history to qualify loans. Loan-seekers share data directly from financial institutions so you can serve those otherwise not offered equal opportunities.
RIKI® Helps Lenders
A portfolio of people, not numbers
RIKI® helps you lend safely while uncovering underserved communities by using spending habits that traditional credit agencies ignore.
Lend Confidently
RIKI® expands the information you use to underwrite loans. The more data you have, the less risk there is.
Lend Competitively
With widened credit parameters like ability to pay, you can take less risks and offer more competitive loans.
Lend Efficiently
Find new opportunities in your data with existing customers and create new lending opportunities while reducing risk.
Lend Inclusively
Marginalized folks who are unfairly ignored by traditional credit bureaus become lending opportunities.
Lend Fairly
Using Ability-To-Pay, RIKI® democratizes data to close the wealth gap for low-to-middle income families.
Lend Painlessly
With API-driven access, RIKI® is easy get started with minimal technical effort.
Get started with safer, more inclusive lending
Create better opportunities for underserved borrowers today.