Underwriters can now review credit history and cash flow in a single view, without switching tools or affecting borrower credit scores
SAN DIEGO, CA / ACCESS Newswire / November 12, 2026 / MoneyThumb, the cash flow underwriting data platform for lenders and funders and a leader in automated document evaluation and fraud detection solutions, today announced a partnership with CRS Credit API ("CRS"), a credit reporting agency that delivers 3-bureau credit, fraud, and identity data through a single API, plus the AI-driven software lenders use to find and validate the right leads, make credit decisions, and create better offers. Through the partnership, MoneyThumb customers can now pull soft credit data from CRS directly inside MoneyThumb's financial analysis platform. The integration is available now to MoneyThumb PDF Insights customers.
The integration adds a credit layer to cash flow underwriting performed by MoneyThumb's 220+ lender, funder, and creditor customers across more than 600,000 funding applications every month. Credit and cash flow results run against each lender's own business rules, with pass/fail indicators shown alongside the cash flow analysis. Lenders can also review credit at the start of the process to screen out applications that don't meet their criteria before an underwriter spends time on them.
"Underwriters shouldn't have to jump between systems to see the full picture of a financing application," said Sean McKay, Vice President at MoneyThumb. "Partnering with CRS puts credit and cash flow analysis side by side, so funders can make faster, more confident decisions from a single view."
"Cash flow tells you how a business is doing today. Credit tells you how it has handled obligations over time. Together they are the clearest picture of a business's health, and until now underwriters had to assemble that picture by hand. This partnership puts consent-based soft credit data in the same view as the cash flow analysis, where the decision actually gets made," said Garrett Loh, Chief Product Officer at CRS Credit API.
Experian soft credit data is now available to MoneyThumb's PDF Insights customers underwriting U.S.-based businesses. CRS maintains relationships with all three bureaus (Experian, Equifax, and TransUnion), with Equifax and TransUnion coming to Insights next. Existing CRS customers can connect their current account.
To learn more or request a demo, visit moneythumb.com/invite or contact salesteam@moneythumb.com.
About MoneyThumb
MoneyThumb is an advanced automation software solution that streamlines the lending underwriting process by converting financial documents instantly into
actionable data. By exponentially increasing efficiency, accuracy and the detection of fraud, MoneyThumb empowers lenders and funders to make faster, more informed and accurate decisions. MoneyThumb is headquartered in Encinitas, California, and serves customers globally. For more information visit www.moneythumb.com.
About CRS
CRS Credit API (CRS) is a credit reporting agency on a mission to make credit work better for everyone. CRS delivers credit, fraud, and identity data from all three bureaus through a single API, and builds the AI-driven software that brings regulated credit data straight into human and agentic workflows. Enterprises, banks, and fast-growing fintechs use CRS to find and validate the right leads, make mission-critical credit decisions, and create better offers for consumers, with products including LeadsIQ, OffersIQ, credit monitoring, and data furnishing. Built by credit data veterans with over 25 years in the industry, CRS serves more than 2,000 U.S. businesses. crscreditapi.com.
Media Contacts:
MoneyThumb: Alexandra Chrisman, alex@moneythumb.com
CRS: Patrick Gallagher, patrick.gallagher@crscreditapi.com
SOURCE: MoneyThumb
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