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Bridging a world of consumer-permissioned credit data
Nova Credit is a credit infrastructure and analytics company that enables businesses to grow responsibly through alternative credit data. As a Consumer Reporting Agency (CRA), Nova Credit leverages its unique data infrastructure, compliance framework, and credit expertise to help lenders fill critical gaps in traditional credit analytics. The company transforms the fragmented universe of consumer financial data into compliant, actionable risk insights through a comprehensive platform designed to increase conversion through expanded coverage, speed, and reliability. Leading organizations, including HSBC, RBC, SoFi, Scotiabank, Appfolio, and Yardi, work with Nova Credit to make smarter credit decisions through cash flow underwriting with Cash Atlas™, quickly verify income with Income Navigator, and reach new-to-country consumers with Credit Passport®. Nova Credit is backed by investors including Kleiner Perkins, General Catalyst, Index Ventures, and Canapi as well as executives from Goldman Sachs, JPMorgan, and Citi. Learn more at www.novacredit.com or reach out to connect@novacredit.com.
Nova Credit provides a credit infrastructure and analytics platform that aggregates consumer-permissioned data from multiple sources to support cash flow underwriting and broader credit risk assessment. It enables lenders, property managers, and financial services to access unified international and domestic data for underwriting, income verification, and credit decisions.
Nova Credit offers four products on a single platform: Cash Atlas (bank transaction data for credit risk assessment), Income Navigator (automated income verification with higher completion rates and fraud reduction), Credit Passport (quickly approve newcomers for mainstream credit), and Eligibility Compass (shortens income and asset verification). The platform consolidates data from international credit bureaus, bank data aggregators, payroll systems, and documents to provide unified credit data, with additional services for platform integration, data orchestration, and fraud detection. It emphasizes multi-source data integration, reduced portfolio risk, and automated income verification within a single platform.
Who it’s for: Banks, fintechs, consumer lenders, credit unions, auto lenders, tenant screening, and affordable housing providers seeking to underwrite or verify income and credit for diverse or international populations.
Funding announcements (Series D) and enterprise-scale deployments; notable partnerships with large lenders and platforms mentioned (e.g., Chase, PayPal, Yardi).
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