Infrastructure & Strategic Partnerships

The alternative credit data infrastructure
powering character-based lending.

To execute our CDFI mandate, our stack looks beyond legacy FICO scores and static history. Specialized data partners feed our Autonomous Credit Intelligence Platform dynamic, character-based metrics — while building the traditional credit profiles of our members.

Nav Rental Kharma Skyflow Plaid

How alternative data flows into a decision

Ingest

Nav, Rental Kharma & Plaid stream credit, rent & banking data

Secure

Skyflow vaults tokenize PII before it ever touches our engine

Analyze

ACIP’s RTCFA engine scores forward-looking liquidity

Report Back

Repayments post as positive trade lines, building member credit

Core Operational Partnerships

Nav & Rental Kharma

Business Credit Rail

Nav

Enterprise-Grade Business Credit & Cash Flow Analytics

Nav is a premier financial-health platform that aggregates multi-bureau business credit, personal credit profiles, and real-time cash-flow analytics — a central hub for SMBs to establish commercial credit with Dun & Bradstreet, Experian Business, and Equifax Commercial.

Reports To

Dun & BradstreetExperian BusinessEquifax Commercial

Integration Architecture

Data Ingestion

We securely ingest comprehensive business credit health and cash-flow data, feeding our RTCFA (Real-Time Cash Flow Analysis) engine a holistic view of commercial viability — crucial for structuring Revenue-Based Financing.

Capacity Building (Reporting)

As capital is deployed and repaid through the Guap Finance ledger, we report positive trade lines back through Nav’s ecosystem. Every Character-Based Microloan actively builds the borrower’s institutional credit profile.

Consumer Credit Rail

Rental Kharma

Democratizing Consumer Credit via Alternative Data

Rental Kharma verifies and reports ongoing and historical residential rent payments directly to major consumer bureaus. For millions of entrepreneurs, rent is the largest, most consistent monthly expense — yet it traditionally goes unrecognized in standard credit models.

Reports To

TransUnionEquifax

Integration Architecture

Alternative Vector Underwriting

By connecting Rental Kharma’s verification rails to ACIP, we ingest verified rent-payment history as a primary indicator of financial discipline and forward-looking liquidity for sole proprietors and micro-entrepreneurs.

Bridging the Credit Invisible

We can approve founders who are “credit invisible” in the legacy system by treating rent consistency with the same weight as traditional debt-service history — while simultaneously boosting their consumer scores through Rental Kharma’s reporting.

Compliance & Cash-Flow Foundation

Secure vaults & banking rails

Skyflow and Plaid form the foundation of our compliance posture and real-time cash-flow tracking.

Skyflow

Secure Data Vaults

A zero-trust PII/PCI data vault isolates sensitive identity and financial data behind tokenization, keeping our compliance surface minimal and our member data sovereign.

PII tokenization PCI scope reduction Zero-trust isolation

Plaid

Banking Data Rails

Plaid connects member bank accounts to power real-time cash-flow tracking, balance verification, and the banking signals our RTCFA engine uses for advance underwriting.

Cash-flow tracking Balance verification Account linking

See how the data becomes a decision

The Autonomous Credit Intelligence Platform turns these alternative signals into advance cash-flow underwriting in seconds.

Explore ACIP

The alternative credit data infrastructurepowering character-based lending.