Immolo connects to any bank account, enriches 24 months of real transaction data, and returns an explainable credit decision in under 2 minutes. For the 45 million people FICO decided don't exist.
Your applicant connects their bank. Immolo does the rest. No paperwork. No waiting. No excuses.
Applicant links their account via Mastercard Open Banking. Read-only. 12,000+ institutions. No credentials stored.
Immolo enriches every transaction. Income sources, recurring obligations, cash flow patterns. All structured automatically.
Score, decision, confidence level, and a plain-English narrative your compliance team can stand behind.
Immolo is infrastructure. You keep the relationship. We provide the intelligence you were never supposed to have.
Approve the freelancer, the gig worker, the immigrant. Real income, real behavior, real decisions.
→No tax returns. No waiting weeks. Just 24 months of actual business cash flow turned into a decision.
→Verify income instantly. Surface rent history that FICO never captured. Help more people get into homes.
→Drop our widget into any onboarding flow. Get a signal at the moment of application. Not after a 5-day review.
→Join the lenders already using Immolo to approve borrowers they would have turned away. We onboard on a rolling basis.
Request API access. We'll reach out within 24 hours.