EPISODE · Aug 25, 2026 · 1 MIN
Why Cash Flow Underwriting Is Finally Catching On
from Fundingo Insights: Navigating Loan Management Software and Financial Innovation · host BrandBoostPlus
<p>For decades, the lending industry built its entire risk infrastructure around credit history — willingness to pay. But ability to pay, measured through actual cash flow data, was largely ignored. Not because it lacked predictive power, but because in the 1970s, it was technically impossible to process at scale.</p><p>That constraint no longer exists. With open banking, real-time transaction access, and new regulatory tailwinds from the CFPB and OCC, cash flow underwriting is finally having its moment — and the implications for CDFIs, community lenders, and the 26+ million credit-invisible Americans are enormous.</p><p>📖 <strong>Read the full article:</strong> <a href="https://www.fundingo.com/why-cash-flow-underwriting-is-finally-catching-on/">Why Cash Flow Underwriting Is Finally Catching On — Fundingo</a></p><p><em>Brought to you by <a href="https://www.fundingo.com">Fundingo</a> — Loan Management Software Experts.</em></p>
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What this episode covers
For decades, lending infrastructure ignored cash flow data — not because it lacked value, but because 1970s technology made it impossible to process. That constraint is gone. Here's why cash flow underwriting is finally going mainstream.
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Why Cash Flow Underwriting Is Finally Catching On
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