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A New Frontier in Consumer Lending: Cash Flow Underwriting

April 22, 2025April 25, 2025

Explore how cash flow underwriting is transforming consumer lending.

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.menu-toggle-open.menu-toggle-style-bordered{border:1px solid currentColor;}.mobile-toggle-open-container .menu-toggle-open .menu-toggle-icon{font-size:20px;}.mobile-toggle-open-container .menu-toggle-open:hover,.mobile-toggle-open-container .menu-toggle-open:focus-visible{color:var(--global-palette-highlight);}.mobile-navigation ul li{font-style:normal;font-size:28px;}.mobile-navigation ul li a{padding-top:1em;padding-bottom:1em;}.mobile-navigation ul li > a,.mobile-navigation ul li.menu-item-has-children > .drawer-nav-drop-wrap{color:var(--global-palette3);}.mobile-navigation ul li.current-menu-item > a,.mobile-navigation ul li.current-menu-item.menu-item-has-children > .drawer-nav-drop-wrap{color:var(--global-palette-highlight);}.mobile-navigation ul li.menu-item-has-children .drawer-nav-drop-wrap,.mobile-navigation ul li:not(.menu-item-has-children) a{border-bottom:0px solid rgba(255,255,255,.1);}.mobile-navigation:not(.drawer-navigation-parent-toggle-true) ul li.menu-item-has-children .drawer-nav-drop-wrap button{border-left:0px solid rgba(255,255,255,.1);}#mobile-drawer .drawer-inner,#mobile-drawer.popup-drawer-layout-fullwidth.popup-drawer-animation-slice .pop-portion-bg,#mobile-drawer.popup-drawer-layout-fullwidth.popup-drawer-animation-slice.pop-animated.show-drawer .drawer-inner{background:rgba(255,255,255,0);}#mobile-drawer .drawer-header .drawer-toggle{padding:.6em .15em .6em .15em;font-size:24px;}.site-middle-footer-inner-wrap{padding-top:30px;padding-bottom:30px;grid-column-gap:30px;grid-row-gap:30px;}.site-middle-footer-inner-wrap .widget{margin-bottom:30px;}.site-middle-footer-inner-wrap .site-footer-section:not(:last-child):after{right:calc(-30px / 2);}.site-top-footer-wrap .site-footer-row-container-inner{font-style:normal;font-weight:normal;font-size:18px;color:var(--global-palette7);}.site-footer .site-top-footer-wrap a:not(.button):not(.wp-block-button__link):not(.wp-element-button){color:var(--global-palette7);}.site-top-footer-inner-wrap{padding-top:50px;padding-bottom:30px;grid-column-gap:30px;grid-row-gap:30px;}.site-top-footer-inner-wrap .widget{margin-bottom:30px;}.site-top-footer-inner-wrap .widget-area .widget-title{font-style:normal;font-size:11px;letter-spacing:3px;color:var(--global-palette7);}.site-top-footer-inner-wrap .site-footer-section:not(:last-child):after{right:calc(-30px / 2);}.site-bottom-footer-wrap .site-footer-row-container-inner{font-style:normal;color:var(--global-palette7);}.site-footer .site-bottom-footer-wrap a:where(:not(.button):not(.wp-block-button__link):not(.wp-element-button)){color:var(--global-palette7);}.site-bottom-footer-inner-wrap{padding-top:30px;padding-bottom:30px;grid-column-gap:30px;}.site-bottom-footer-inner-wrap .widget{margin-bottom:30px;}.site-bottom-footer-inner-wrap .site-footer-section:not(:last-child):after{right:calc(-30px / 2);}#colophon .footer-html{font-style:normal;font-size:14px;}.header-navigation-dropdown-direction-left ul ul.submenu,.header-navigation-dropdown-direction-left ul ul.sub-menu{right:0px;left:auto;}.rtl .header-navigation-dropdown-direction-right ul ul.submenu,.rtl .header-navigation-dropdown-direction-right ul ul.sub-menu{left:0px;right:auto;}.header-account-button .nav-drop-title-wrap > .kadence-svg-iconset,.header-account-button > .kadence-svg-iconset{font-size:1.2em;}.site-header-item .header-account-button .nav-drop-title-wrap,.site-header-item .header-account-wrap > .header-account-button{display:flex;align-items:center;}.header-account-style-icon_label .header-account-label{padding-left:5px;}.header-account-style-label_icon .header-account-label{padding-right:5px;}.site-header-item .header-account-wrap .header-account-button{text-decoration:none;box-shadow:none;color:inherit;background:transparent;padding:.6em 0em .6em 0em;}.header-mobile-account-wrap .header-account-button .nav-drop-title-wrap > .kadence-svg-iconset,.header-mobile-account-wrap .header-account-button > .kadence-svg-iconset{font-size:1.2em;}.header-mobile-account-wrap .header-account-button .nav-drop-title-wrap,.header-mobile-account-wrap > .header-account-button{display:flex;align-items:center;}.header-mobile-account-wrap.header-account-style-icon_label .header-account-label{padding-left:5px;}.header-mobile-account-wrap.header-account-style-label_icon .header-account-label{padding-right:5px;}.header-mobile-account-wrap .header-account-button{text-decoration:none;box-shadow:none;color:inherit;background:transparent;padding:.6em 0em .6em 0em;}#login-drawer .drawer-inner .drawer-content{display:flex;justify-content:center;align-items:center;position:absolute;top:0px;bottom:0px;left:0px;right:0px;padding:0px;}#loginform p label{display:block;}#login-drawer #loginform{width:100%;}#login-drawer #loginform input{width:100%;}#login-drawer #loginform input[type="checkbox"]{width:auto;}#login-drawer .drawer-inner .drawer-header{position:relative;z-index:100;}#login-drawer .drawer-content_inner.widget_login_form_inner{padding:2em;width:100%;max-width:350px;border-radius:.25rem;background:var(--global-palette9);color:var(--global-palette4);}#login-drawer .lost_password a{color:var(--global-palette6);}#login-drawer .lost_password,#login-drawer .register-field{text-align:center;}#login-drawer .widget_login_form_inner p{margin-top:1.2em;margin-bottom:0em;}#login-drawer .widget_login_form_inner p:first-child{margin-top:0em;}#login-drawer .widget_login_form_inner label{margin-bottom:.5em;}#login-drawer hr.register-divider{margin:1.2em 0;border-width:1px;}#login-drawer .register-field{font-size:90%;}@media all and (min-width: 1025px){#login-drawer hr.register-divider.hide-desktop{display:none;}#login-drawer p.register-field.hide-desktop{display:none;}}@media all and (max-width: 1024px){#login-drawer hr.register-divider.hide-mobile{display:none;}#login-drawer p.register-field.hide-mobile{display:none;}}@media all and (max-width: 767px){#login-drawer hr.register-divider.hide-mobile{display:none;}#login-drawer p.register-field.hide-mobile{display:none;}}.tertiary-navigation .tertiary-menu-container > ul > li.menu-item > a{padding-left:calc(1.2em / 2);padding-right:calc(1.2em / 2);padding-top:.6em;padding-bottom:.6em;color:var(--global-palette5);}.tertiary-navigation .tertiary-menu-container > ul > li.menu-item > a:hover{color:var(--global-palette-highlight);}.tertiary-navigation .tertiary-menu-container > ul > li.menu-item.current-menu-item > a{color:var(--global-palette3);}.header-navigation[class*="header-navigation-style-underline"] .header-menu-container.tertiary-menu-container>ul>li>a:after{width:calc(100% - 1.2em);}.quaternary-navigation .quaternary-menu-container > ul > li.menu-item > a{padding-left:calc(1.2em / 2);padding-right:calc(1.2em / 2);padding-top:.6em;padding-bottom:.6em;color:var(--global-palette5);}.quaternary-navigation .quaternary-menu-container > ul > li.menu-item > a:hover{color:var(--global-palette-highlight);}.quaternary-navigation .quaternary-menu-container > ul > li.menu-item.current-menu-item > a{color:var(--global-palette3);}.header-navigation[class*="header-navigation-style-underline"] .header-menu-container.quaternary-menu-container>ul>li>a:after{width:calc(100% - 1.2em);}#main-header .header-divider{border-right:1px solid var(--global-palette6);height:50%;}#main-header .header-divider2{border-right:1px solid var(--global-palette6);height:50%;}#main-header .header-divider3{border-right:1px solid var(--global-palette6);height:50%;}#mobile-header .header-mobile-divider,#mobile-drawer .header-mobile-divider{border-right:1px solid var(--global-palette6);height:50%;}#mobile-drawer .header-mobile-divider{border-top:1px solid var(--global-palette6);width:50%;}#mobile-header .header-mobile-divider2{border-right:1px solid var(--global-palette6);height:50%;}#mobile-drawer .header-mobile-divider2{border-top:1px solid var(--global-palette6);width:50%;}.header-item-search-bar form ::-webkit-input-placeholder{color:currentColor;opacity:.5;}.header-item-search-bar form ::placeholder{color:currentColor;opacity:.5;}.header-search-bar form{max-width:100%;width:240px;}.header-mobile-search-bar form{max-width:calc(100vw - var(--global-sm-spacing) - var(--global-sm-spacing));width:240px;}.header-widget-lstyle-normal .header-widget-area-inner a:not(.button){text-decoration:underline;}.element-contact-inner-wrap{display:flex;flex-wrap:wrap;align-items:center;margin-top:-.6em;margin-left:calc(-.6em / 2);margin-right:calc(-.6em / 2);}.element-contact-inner-wrap .header-contact-item{display:inline-flex;flex-wrap:wrap;align-items:center;margin-top:.6em;margin-left:calc(.6em / 2);margin-right:calc(.6em / 2);}.element-contact-inner-wrap .header-contact-item .kadence-svg-iconset{font-size:1em;}.header-contact-item img{display:inline-block;}.header-contact-item .contact-label{margin-left:.3em;}.rtl .header-contact-item .contact-label{margin-right:.3em;margin-left:0px;}.header-mobile-contact-wrap .element-contact-inner-wrap{display:flex;flex-wrap:wrap;align-items:center;margin-top:-.6em;margin-left:calc(-.6em / 2);margin-right:calc(-.6em / 2);}.header-mobile-contact-wrap .element-contact-inner-wrap .header-contact-item{display:inline-flex;flex-wrap:wrap;align-items:center;margin-top:.6em;margin-left:calc(.6em / 2);margin-right:calc(.6em / 2);}.header-mobile-contact-wrap .element-contact-inner-wrap .header-contact-item .kadence-svg-iconset{font-size:1em;}#main-header .header-button2{border:2px none transparent;box-shadow:0px 0px 0px -7px rgba(0,0,0,0);}#main-header .header-button2:hover{box-shadow:0px 15px 25px -7px rgba(0,0,0,.1);}.mobile-header-button2-wrap .mobile-header-button-inner-wrap .mobile-header-button2{border:2px none transparent;box-shadow:0px 0px 0px -7px rgba(0,0,0,0);}.mobile-header-button2-wrap .mobile-header-button-inner-wrap .mobile-header-button2:hover{box-shadow:0px 15px 25px -7px rgba(0,0,0,.1);}#widget-drawer.popup-drawer-layout-fullwidth .drawer-content .header-widget2,#widget-drawer.popup-drawer-layout-sidepanel .drawer-inner{max-width:400px;}#widget-drawer.popup-drawer-layout-fullwidth .drawer-content .header-widget2{margin:0 auto;}.widget-toggle-open{display:flex;align-items:center;background:transparent;box-shadow:none;}.widget-toggle-open:hover,.widget-toggle-open:focus{border-color:currentColor;background:transparent;box-shadow:none;}.widget-toggle-open .widget-toggle-icon{display:flex;}.widget-toggle-open .widget-toggle-label{padding-right:5px;}.rtl .widget-toggle-open .widget-toggle-label{padding-left:5px;padding-right:0px;}.widget-toggle-open .widget-toggle-label:empty,.rtl .widget-toggle-open .widget-toggle-label:empty{padding-right:0px;padding-left:0px;}.widget-toggle-open-container .widget-toggle-open{color:var(--global-palette5);padding:.4em .6em .4em .6em;font-size:14px;}.widget-toggle-open-container .widget-toggle-open.widget-toggle-style-bordered{border:1px solid currentColor;}.widget-toggle-open-container .widget-toggle-open .widget-toggle-icon{font-size:20px;}.widget-toggle-open-container .widget-toggle-open:hover,.widget-toggle-open-container .widget-toggle-open:focus{color:var(--global-palette-highlight);}#widget-drawer .header-widget-2style-normal a:not(.button){text-decoration:underline;}#widget-drawer .header-widget-2style-plain a:not(.button){text-decoration:none;}#widget-drawer .header-widget2 .widget-title{color:var(--global-palette9);}#widget-drawer .header-widget2{color:var(--global-palette8);}#widget-drawer .header-widget2 a:not(.button),#widget-drawer .header-widget2 .drawer-sub-toggle{color:var(--global-palette8);}#widget-drawer .header-widget2 a:not(.button):hover,#widget-drawer .header-widget2 .drawer-sub-toggle:hover{color:var(--global-palette9);}#mobile-secondary-site-navigation ul li{font-size:14px;}#mobile-secondary-site-navigation ul li a{padding-top:1em;padding-bottom:1em;}#mobile-secondary-site-navigation ul li > a,#mobile-secondary-site-navigation ul li.menu-item-has-children > .drawer-nav-drop-wrap{color:var(--global-palette8);}#mobile-secondary-site-navigation ul li.current-menu-item > a,#mobile-secondary-site-navigation ul li.current-menu-item.menu-item-has-children > .drawer-nav-drop-wrap{color:var(--global-palette-highlight);}#mobile-secondary-site-navigation ul li.menu-item-has-children .drawer-nav-drop-wrap,#mobile-secondary-site-navigation ul li:not(.menu-item-has-children) a{border-bottom:1px solid rgba(255,255,255,.1);}#mobile-secondary-site-navigation:not(.drawer-navigation-parent-toggle-true) ul li.menu-item-has-children .drawer-nav-drop-wrap button{border-left:1px solid rgba(255,255,255,.1);}:root{--global-kb-font-size-sm:clamp(.8rem,.73rem + .217vw,.9rem);--global-kb-font-size-md:clamp(1.1rem,.995rem + .326vw,1.25rem);--global-kb-font-size-lg:clamp(1.75rem,1.576rem + .543vw,2rem);--global-kb-font-size-xl:clamp(2.25rem,1.728rem + 1.63vw,3rem);--global-kb-font-size-xxl:clamp(2.5rem,1.456rem + 3.26vw,4rem);--global-kb-font-size-xxxl:clamp(2.75rem,.489rem + 7.065vw,6rem);}.kb-row-layout-id2958_836d88-22 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-xs,1rem);padding-right:var(--global-kb-spacing-md,2rem);padding-bottom:var(--global-kb-spacing-xs,1rem);padding-left:var(--global-kb-spacing-sm,1.5rem);grid-template-columns:minmax(0,1fr);}.kb-row-layout-id2958_836d88-22{border-top-left-radius:20px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:20px;overflow:clip;isolation:isolate;}.kb-row-layout-id2958_836d88-22 > 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a{line-height:1.2em;letter-spacing:.3px;font-weight:bold;}.kt-svg-icon-list-item-2958_55b8ab-f2 .kt-svg-icon-list-single{font-size:60px !important;}.kt-svg-icon-list-item-2958_55b8ab-f2 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;}ul.menu .wp-block-kadence-advancedbtn .kb-btn16696_5d934b-dc.kb-button{width:initial;}.wp-block-kadence-advancedbtn .kb-btn16696_5d934b-dc.kb-button{background:linear-gradient(135deg,#0061a4 30%,#479472 81%,#8dc63f 100%) !important;border-top-left-radius:40px;border-top-right-radius:40px;border-bottom-right-radius:40px;border-bottom-left-radius:40px;}.kb-btn16696_5d934b-dc.kb-button .kb-svg-icon-wrap{padding-left:var(--global-kb-spacing-sm,1.5rem);}.kb-btn16696_5d934b-dc.kb-button::before{background:linear-gradient(135deg,var(--global-palette1,#0061a4) 12%,var(--global-palette2,#8dc63f) 89%);-webkit-transition:opacity .3s ease-in-out;-moz-transition:opacity .3s ease-in-out;transition:opacity .3s ease-in-out;}.kb-row-layout-id2958_836d88-22 a{text-decoration:none;}:root .has-kb-palette-9-color{color:#78888f;}:root .has-kb-palette-9-background-color{background-color:#78888f;}:root .has-kb-palette-10-color{color:#479472;}:root .has-kb-palette-10-background-color{background-color:#479472;}:root .has-kb-palette-1-color{color:#76b650;}:root .has-kb-palette-1-background-color{background-color:#76b650;}:root .has-kb-palette-2-color{color:#529e68;}:root .has-kb-palette-2-background-color{background-color:#529e68;}:root .has-kb-palette-3-color{color:#398d7b;}:root .has-kb-palette-3-background-color{background-color:#398d7b;}:root .has-kb-palette-6-color{color:#0d7196;}:root .has-kb-palette-6-background-color{background-color:#0d7196;}:root .has-kb-palette-62-color{color:#2378ab;}:root .has-kb-palette-62-background-color{background-color:#2378ab;}#wrapper > 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