The Immolo Score reads 24 months of real financial behavior and turns it into a decision your team can explain, defend, and stand behind.
The Immolo Score is built from four weighted components, each derived directly from enriched bank transaction data.
How stable and predictable is the applicant's income? We measure month-over-month variability across all income sources — payroll, freelance, gig, business revenue — and score for reliability, not just amount.
35%Does income reliably cover recurring obligations? We detect rent, utilities, loan payments, subscriptions, and insurance — then measure whether income consistently exceeds these commitments.
30%What percentage of months does the applicant end with positive net cash flow? Consistent positive months signal financial stability even when income is irregular.
20%What share of income goes to discretionary spending — dining, entertainment, travel, luxury? Lower discretionary ratios signal financial maturity and self-control.
15%We handle the compliance complexity so your team doesn't have to.
Independently audited security controls covering availability, confidentiality, and processing integrity. Full report available under NDA.
CertifiedAll data encrypted in transit with TLS 1.3 and at rest with AES-256. Bank credentials are never stored — we use read-only tokenized access only.
Bank-gradeImmolo Scores include full explainability narratives designed to meet adverse action notice requirements under the Fair Credit Reporting Act.
CompliantFull data subject rights support. Applicants can request deletion of their data at any time. We never sell or share applicant data with third parties.
CompliantRedundant infrastructure across multiple availability zones. Real-time status at status.immolo.co. Credits issued automatically for any SLA breach.
Growth+Every assessment, every API call, every decision is logged with timestamps and stored for 7 years. Exportable for compliance reporting on demand.
All tiersSmall businesses are the most underserved borrowers on the planet. FICO sees chaos. Immolo sees the full picture.
Same core technology. Four products. Four price points.
Freelancers, gig workers, immigrants, young people. Score anyone FICO misses.
Restaurants, contractors, Etsy sellers. Real revenue, no tax returns needed.
Instant verified income reports for mortgage brokers and rental screening.
Drop Immolo into any platform. Shopify, Uber, Etsy — credit at the point of need.