Your5C fuses uploaded financials, live bank data, public records, lawsuits, and online signals into one comprehensive credit grade — built on the same standards top commercial banks use.
No credit card required · SOC-grade infrastructure
Every signal a senior underwriter reviews — gathered, analyzed, and graded by AI.
Tax returns, P&Ls, balance sheets, and bank statements parsed and analyzed in context of the requested amount.
12-month deposits, average daily balance, NSF count, and negative-day patterns from live bank data.
Lawsuits, judgments, bankruptcies, and liens against the company and its principals.
Trustpilot, Google, BBB reviews and recent news sentiment about the brand and its leaders.
Paydex, delinquency predictor, and time on file — wired into the score.
Character, Capacity, Capital, Collateral, Conditions — every dimension scored with bank-grade rigor.
Company info, requested amount, and document uploads (tax returns, statements, financials). Plaid links accounts in one click.
Documents, Plaid data, lawsuits, D&B, BBB, news, and reviews are fused into a 5 Cs analysis with full DSCR and cash-flow review.
A letter grade, score, decision, recommended amount, and a 1,500-word written memo — ready in minutes.
Bank-grade underwriting, AI speed. Make better credit decisions on every deal.