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Paper Free. Hassle Free. Formfree.

FormFree understands where consumer data resides, how to access it and most importantly how to make it actionable for credit decisioning.

FormFree is a market-leading fintech company whose patented technology is building a more inclusive credit decisioning landscape by encouraging lenders to view borrower ability to pay (ATP) more holistically.

Brent A. Chandler

Founder of Formfree

Chandler founded FormFree in 2008 after his own frustrating home-buying experience fueled an obsession with making loans simpler and safer for everyone. A widely recognized innovator in mortgage and financial services technologies, Brent has nearly 25 years of experience on the leading edgeof personal finance.

Formfree’s Vision

Our vision is to give every consumer better financial agency and self-determination, turning the lending paradigm on its head so that borrowers are empowered.

Formfree’s Mission

Where asset meets credit, there is nirvana, meaning improvement of risk mitigation, the complete lending experience and expanding lending to the underbanked – diverse consumers who have been left behind under the current traditional credit scoring models. Combining credit analytics along with consumer financial data creates a real time view into the borrower’s ability to pay.