For Lenders / Microfinance Banks
Built for the segment bureaus were never designed to cover.
Your borrowers are exactly the population formal credit bureaus have the least data on. Wealthstein was built for this — a floor of 500 (not a decline), and a score that moves entirely on real financial and identity behavior, not a bureau file that was never going to exist.
Where This Applies
How it fits your underwriting.
01
Group and individual lending
Score each borrower's own financial identity, whether they're applying alone or as part of a lending group.
02
Cooperative and trade-association members
Onboard members through their own account activity, independent of whether the cooperative itself has any formal credit history.
03
Graduated lending programs
As a borrower's score improves with repayment history, size their next loan against real, current evidence.
Now Piloting
Bring your own thin-file portfolio.
Score applicants a bureau can't reach. We're running a hands-on pilot with our next 20 lenders — bring a real batch of applicants, and we'll show you the scores against your outcomes before you commit anything.