Prism Data

Prism Data — Consumer bank-account cash-flow data for credit underwriting: transaction-level deposit-account histories enriched into derived income verification, merchant/expense category classifications, and a proprietary cash-flow score (CashScore), plus a rent-payment and recurring-obligation signal layer; delivered via API for CRA (FCRA-regulated) and non-CRA underwriting use cases. Small but highly specialized (~39 employees, ~$5M raised, ~$2M revenue band). Value is depth, not breadth: a rare licensed-grade cash-flow corpus with compliance scaffolding (model governance, explainable adve…

Prism Data offers (Alternative, Fundamental, Sentiment) — Large relative to firm size: every connected deposit account yields a multi-year ledger of transactions. At ~1M authorizations × ~24 months × ~150 transactions/month the transaction corpus is on the order of 3-4 billion rows; the derived layer (income, category, score) is ~1M consumer-level feature records per authorization cohort.

Consumer and small-business credit underwriting models; thin-file / credit-inclusion score development; adverse-action reason coding under ECOA; rent-reporting and tenant screening models; delinquency and default prediction; affordability and debt-to-income verification; model validation and backtesting against realized cash flow; macro consumer-cash-flow stress indicators

The data is with 10 years of history.

Coverage spans US; Financial Exchanges & Data, Consumer Finance; alternative, fundamental, sentiment; equities, fixed_income.

The supplier's own access route is a conversation with the supplier. Request a sample through Brickroad to start.