Edge Expands Score Suite With New Cash-Flow Risk Models

Cash-flow credit assessment uses bank-account transaction data to supplement conventional credit records, giving lenders another way to evaluate income stability, spending patterns and borrowers’ capacity to repay. Edge operates in this segment, where such tools can improve decisions involving applicants with limited credit histories and extend risk analysis beyond initial underwriting into ongoing account monitoring.

Edge has expanded its product suite with two new cash-flow scores and an upgraded early-default score. The company said the models are designed to support lenders throughout the credit lifecycle, from customer screening and underwriting to loan origination and post-funding monitoring. Edge did not disclose pricing, named lending partners or a specific launch date in the information provided.