Alloy streamlines the lending process by bringing KYC, fraud detection, and credit evaluation into a single platform, so risk and compliance teams control every stage of the decisioning process from one place. Business rules and credit policies, from scorecards to complex matrix models, translate into configurable workflows through a no-code interface. This enables real-time decisions on loan applications with logic that risk and compliance teams can adjust as market conditions and regulations evolve.

The platform connects via API to 270+ data solutions, including traditional credit bureaus and alternative data providers, so teams can optimize workflows around the data that best fits their risk models. Applications that meet policy thresholds are approved automatically; those that need closer attention are routed to manual review.

Alloy's end-to-end credit decisioning software functionality covers the full lending relationship, extending beyond origination to line management and product remarketing to existing customers, so financial organizations can grow the lending relationship long after a customer is approved.

Bureau data alone leaves gaps for a significant portion of creditworthy applicants. Alloy addresses this by connecting to alternative data sources, including cash flow analyses, employment verifications, and utility payment histories, alongside traditional credit scoring, building a more complete picture of each applicant's creditworthiness.

For borrowers with limited credit history, including new immigrants, young adults, and people rebuilding credit, financial behavior data more accurately capture actual risk than a bureau score alone. Alloy connects lenders to multiple scoring models and a broader set of signals than bureau data alone provides, enabling them to evaluate applicants more accurately and expand access to financial services for people who qualify.

Alloy strengthens credit risk assessment with a network of 270+ data solutions, including all three major U.S. credit bureaus: Equifax, Experian, and TransUnion. For alternative credit data, Alloy works with complementary data providers such as Nova Credit, Argyle, Plaid, and Codat, covering transactional banking, income verification, rental payment history, and fraud signals.

The breadth of Alloy's network means banks, credit unions, and fintechs can build credit risk models around the data that best reflects their customer segments. Alloy's open integrations make it practical to build a scalable credit decisioning program and bring in new providers as needs grow.

Every credit decision Alloy makes is fully logged and auditable. Audit trails capture what data was reviewed, what policy triggered the outcome, and why each applicant was approved or denied, giving compliance and legal teams the documentation they need for regulatory compliance without building it manually.

The platform translates credit underwriting policies into decisioning workflows that capture your decision logic and  strategies directly, so the decisioning process is consistent across every application. Real-time data flows into every decision, keeping credit risk management practices current and demonstrable to regulators as requirements evolve. Organizations control the policies; Alloy enforces them at scale.