BORROWER 360
Look beyond the application.
The file tells you what the applicant chose to show. Borrower 360 adds what they didn't: bureau data, KYC, banking, entity research, all landing in the same policy.
THE SOURCES
What the applicant doesn't hand you.
Five layers of external evidence, pulled per application and landed as first-class variables in your policy. SME and personal loan products alike.
CREDIT BUREAUS
Scores and tradelines, any bureau, any market.
KYC / AML
Identity verified before the policy runs.
BANKING DATA
Cash flow as it actually is, not as declared.
ENTITY RESEARCH
The business behind the application: registrations, directors, beneficial owners, litigation, regulator filings.
ANY SCORE
CredoLab, Trusting Social, Zest, your in-house model: bring it, we run it.
WHERE ENTITY RESEARCH LOOKS
- COURT RECORDS & JUDGMENTS
- INSOLVENCY & BANKRUPTCY REGISTERS
- SEC & REGULATOR FILINGS
- COMPANY REGISTRIES · ACRA / COMPANIES HOUSE
- BENEFICIAL-OWNERSHIP (UBO) REGISTERS
- SANCTIONS & PEP LISTS
- COLLATERAL & SECURITY REGISTERS · UCC / PPSR
- ADVERSE MEDIA
YOUR WEIGHTS, NOT OURS
Floowed weights nothing.
Every source lands as first-class variables in one policy: the lender decides what each counts for, in the Decisioning Engine. Same data, same policy, same answer, every time.
SOURCES LAND
Bureau, KYC, banking, entity, score.
YOU SET THE WEIGHTS
In the Decisioning Engine. Yours alone.
ONE POLICY DECIDES
Identically, on every application.
Document Intelligence reads what the applicant gives you. Borrower 360 sees what they don't.
EXPLORE DOCUMENT INTELLIGENCE40+
Native connectors across the lending stack
INTEGRATIONS
Wired into the stack you already run.
Bureaus, KYC and AML providers, banking data, your LMS: every connector lands its data as variables in the same policy. No source gets special treatment unless you give it some.
- LMS
- CORE BANKING
- CREDIT BUREAUS
- KYC / AML
- BANKING DATA
- WEBHOOKS
- REST API
QUESTIONS
Borrower 360, answered.
What is Borrower 360?
Borrower 360 is a complete view of the borrower beyond the application — credit bureau data, KYC/AML identity, real banking cash flow, deep entity research, and your chosen score — assembled before the credit policy runs.
What data sources does Borrower 360 pull together?
Credit bureaus (scores and tradelines, any bureau, any market), KYC/AML identity verification, banking data showing cash flow as it actually is rather than as declared, deep entity research, and whatever scoring model you already use.
What does Floowed's entity research check?
Court records and judgments, insolvency and bankruptcy registers, SEC and regulator filings, company registries (ACRA, Companies House), beneficial-ownership (UBO) registers, sanctions and PEP lists, collateral and security registers (UCC, PPSR), and adverse media.
Does Floowed work with our scoring vendor?
Yes. Floowed is score-agnostic — CredoLab, Trusting Social, Zest, or your in-house model: bring it, and Floowed runs it as part of the decision rather than replacing it.
Does Floowed decide how to weight this data?
No. Your weights, not ours — Floowed weights nothing. Every signal counts exactly as much as your own credit policy says it should.
When is the borrower's identity verified?
KYC/AML identity verification runs before the policy runs, so the decision is made against a verified applicant rather than one taken at face value from the application.
ONE PLATFORM
One platform. The whole decision.
The whole borrower, in view. Here's what runs on it.
See the whole borrower.
One application, every source, one policy. Watch it decide.