See the human behind the score
RIKI® uncovers loan opportunities by measuring Ability to Pay, so you can underwrite inclusively and confidently, even without a credit score.
Lenders use alternative credit factors like rent payment or residual income history to qualify loans. Loan-seekers share data directly from financial institutions so you can serve those otherwise not offered equal opportunities.
RIKI® helps you lend safely while uncovering underserved communities by using spending habits that traditional credit agencies ignore.
RIKI® expands the information you use to underwrite loans. The more data you have, the less risk there is.
With widened credit parameters like ability to pay, you can take less risks and offer more competitive loans.
Find new opportunities in your data with existing customers and create new lending opportunities while reducing risk.
Marginalized folks who are unfairly ignored by traditional credit bureaus become lending opportunities.
Using Ability-To-Pay, RIKI® democratizes data to close the wealth gap for low-to-middle income families.
With API-driven access, RIKI® is easy get started with minimal technical effort.
Create better opportunities for underserved borrowers today.