Lending Partners
Unlocking the "Credit Invisibles"
Traditional credit models overlook 50 million Americans due to limited credit files, despite many being financially responsible. These "credit invisibles" pay rent on time but generate no credit signal, making them inaccessible to lenders.
Zero-CAC Origination
Acquire pre-verified customers at the highest-intent moment: paying rent. Eliminate marketing and lead generation costs.
Superior Risk Modeling
Leverage rental payment history and behavioral signals for precision underwriting, reducing defaults.
Massive Market Access
Reach 50M+ creditworthy consumers unscoreable by traditional methods, expanding your addressable market.
"Vertical Fintel transforms rental payment data into the most powerful alternative credit signal in consumer finance—enabling responsible lending to millions previously excluded from the system."