Solutions / Salary Loan
Verify income stability before you disburse.
Salary-backed lending lives or dies on whether the income is actually stable. Wealthstein's income and cash-flow factor is built exactly for this — regular inflow patterns are what separate a safe salary loan from a risky one.
Use Cases
Where this shows up in practice.
Payroll-linked advances
Score against real inflow regularity, not just a payslip that could be months out of date.
Same-day disbursement
A returning applicant's score is already current — no re-underwriting needed for a repeat salary advance.
Employer-partnership lending
Layer employer-verified income on top of Wealthstein's score for a fuller picture on partnership-based salary loan programs.
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.