Nova Credit

Nova Credit is a credit infrastructure and analytics company that helps businesses underwrite consumers who are underserved by traditional credit data. It solves the problem of limited or outdated credit information by aggregating consumer-permissioned data from multiple sources, including international credit bureaus, bank transaction data, payroll systems, and automated document data. This enables lenders to assess creditworthiness for populations such as newcomers or those with thin credit files.

The platform offers four main products: Credit Passport for cross-border credit history, Cash Atlas for cash flow underwriting using bank transaction data, Income Navigator for automated income verification, and Eligibility Compass for income and asset verification. It integrates with over 26 data sources, including credit bureaus, bank data aggregators, and payroll systems. The platform is designed for enterprise-scale use, with compliance as a consumer reporting agency under the FCRA, and includes embedded analytics to support credit risk decisions.

Nova Credit serves lenders, property managers, and financial services businesses. It is used by institutions such as banks and property management software providers. The company does not publicly list a free plan or trial; its products are typically offered through direct enterprise agreements, and implementation for enterprise customers can take less than eight weeks.