What Lenders See
When They Pull
Your Client's File
Personal credit is a primary underwriting input for nearly every small business loan. Bankable IQ pulls tri-bureau owner credit data via API and delivers a complete report your system uses to pre-qualify, underwrite, and guide clients to better approvals.
- All three personal credit bureaus
- No hard inquiry of any kind
- Only $1 to verify identity
- Included in every plan
Your system feeds this data directly into funding pre-qualification, offer underwriting, and sections of the Funding Range Report and the Business FICO Report, all automatically.
One click. Three bureaus.
Complete picture.
The owner credit integration is built into your co-brand platform. Nothing extra to set up, install, or pay for. It runs automatically when a prospect completes pre-qualification.
Prospect Enters System
Your branded co-brand front end accepts prospect details during pre-qualification. No separate login or third-party portal needed.
$1 Identity Verify
The prospect completes a $1 charge for identity verification. The only cost to them, and it creates no credit inquiry whatsoever.
API Pulls All 3 Bureaus
The system instantly retrieves full credit data from Equifax, Experian, and TransUnion, including scores and all tradeline details.
Reports & Guide Generated
The AI builds the owner credit report, feeds data into other closing reports, and delivers a step-by-step optimization guide.
The full picture
lenders run
before they call you.
Business lenders rely heavily on personal credit when evaluating small business applicants. Your system doesn't just show the scores, it breaks down every factor a lender scrutinizes and hands the client a clear path to improve each one.
one report
your business
Tri-Bureau Credit Scores
Equifax, Experian, and TransUnion scores presented side-by-side. Lenders often use the middle score for decisioning, so seeing all three gives your client a realistic picture of where they stand before applying.
All 3 BureausLender Concern Factor Breakdown
Many business owners unknowingly damage their personal credit by using personal credit cards for business expenses or taking on personal debt. The report flags these patterns and shows which items lenders focus on during underwriting.
Lender-Focused ViewStep-by-Step Optimization Guide
The AI generates a detailed, item-by-item guide showing the client exactly how to address each concern a lender would raise. Personalized to their actual report data, not a generic credit tip sheet.
Personalized To Their DataFeeds Three Other Closing Reports
Owner personal credit data does not live in a silo. Your system uses it to populate key sections of the Funding Range Report and the Business FICO Report, ensuring every closing deliverable reflects a complete financial picture.
Integrated AutomaticallyAll four closing reports.
One platform. Your brand.
The Owner Credit Report, Business FICO Report, Bankable Status Report, and Funding Range Report are all included with every Bankable IQ co-brand subscription. No add-ons. No per-report fees.