Predictive analytics built by lenders for lenders

The only risk intelligence platform that combines consumer-permissioned bank transactions with proprietary performance data at scale for the market’s most predictive insights into unserved and underserved consumers

Turnkey solutions to drive better real-time decisions

NinjaEdge is the leading end-to-end platform spanning access to bank transaction data through performance-optimized analytics for immediate actionability in risk decision-making.

Building on a two-decade legacy of innovation in data-driven digital lending, our solutions are uniquely designed with lenders’ needs in mind and deliver unmatched predictive insights for tangible top- and bottom-line impact.

The only performance-optimized bank data analytics

NinjaEdge stands apart within a seemingly crowded bank data as the only performance-optimized analytics in the market.

Our solutions leverage a massive data lake of customer-contributed loan performance data which enables us to create and curate solutions with predictive insights in a class of their own.

NinjaEdge by the Numbers

billion+ bank transactions analyzed

million+ loan applications scored

million+ dollars of reported loan performance

years+ of development & optimization

Decision on a complete financial picture

The daily activity and balances in consumers’ checking and savings accounts provide a more complete, current view of their ability to incur and repay incremental indebtedness. 

Particularly for the millions of consumers with a Vantage and FICO scores below prime, cash flow underwriting has become the standard for assessing the true risk of an applicant.

With NinjaEdge, lenders are able for the first time to evaluate cash flow patterns and behaviors in the context of industry-wide risk for more underwriting risk decisions.

The measurable properties (features or attributes) that we distill from thousands of transactions for any single consumer are battle-tested in real world lending decisions. So we know what works and what doesn’t work before bringing our solutions to customers.

Our solutions create inclusive lending opportunities

Almost half the U.S. population is unserved or underserved by traditional risk scoring methods that look only at past payments and balances of open credit accounts as a proxy for future risk.

By looking beyond bureau scores, we provide insight into financial activities and behaviors that are empirically proven to be much more predictive of creditworthiness for these consumers.

NinjaEdge solutions allow our customers to make better risk decisions and confidently extend credit to those often overlooked.

Digital Lending Expertise

We pioneered the digital lending business 15+ years ago. Our technology-driven approach to risk is well tested.

Expansive Native Integrations

Building technology for the modern age is a time consuming, expensive process.  At NinjaEdge, we’ve done it already, so you don’t have to.


NinjaEdge can be tailored to the specific goals and preferences of our partners. Not a one size fits all approach.

Increased Efficiency

Our automation reduces borrower friction, underwriting & acquisition costs, and credit risk while increasing our client’s efficiency, profitability, accuracy, and scale.

Discover our edge.

Get in touch with us today to learn more.