Products / IceFlow

IceFlow

A faster, more accurate way to review banking data.

Leverage the power of banking data to improve efficiency and portfolio performance. Once an applicant verifies their bank account, IceFlow automatically and accurately delivers an IceFlow score, direct deposit details and liabilities to your team.

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Cash-flow summaryCHECKING ****1234
108ICEFLOW SCORE0150
Est. monthly income
$5,265
Pay frequency
Bi-weekly
Next pay date
Oct 10
Outstanding loans
2
DIRECT DEPOSITS
Sep 24 · Employer A+$2,431.10
Sep 10 · Employer A+$2,428.90
Aug 27 · Employer A+$2,430.00
LIABILITIES
Lender A-$83.23
Lender B-$189.05
Monthly total-$544.56
● Bank account verified
Automate reviews
Automate bank statement reviews and your underwriting process.
Secure data sharing
A secure way to share personal banking data, for both you and your customers.
Trustworthy data
Mitigate the risk of modified PDF statements and incorrect data.
How it works

Unlock the power of banking data to automate your workflow.

01
Applicant verifies their bank account
They sign in securely with their online banking credentials.
verify.iceflow · secure
Sample Bank
Online banking login
Username
johndoe
Password
••••••••••
Verify bank account
Encrypted connection
02
Verification completed
The applicant sees a confirmation straight away.
verify.iceflow · secure
Verification completed
Your bank account has been verified. You can now close this window.
03
Your team gets the IceFlow report
IceFlow score, account information, identity match, direct deposits and loans.
IceFlow report
Why IceFlow

Let underwriters underwrite, more quickly and more confidently.

A

Income verification

Direct deposits separated by employer, with estimated monthly income and pay frequency.

B

Hidden-risk detection

Surfaces missed pay dates and new or outstanding loans automatically.

C

Account validation

A bank account summary and identity match in every report.

Works for every consumer lending product
Easy-to-use web application interface for fast and accurate bank account verifications.
InstallmentPaydayLine of creditAuto loan

Try IceFlow for free.

Test IceFlow at no cost and see the results on your own applicants.