Overview LendingRisk provides comprehensive credit assessment including alternative credit scoring, income verification, and affordability analysis — designed for emerging markets where traditional credit bureaus have limited coverage.
Quick Start const assessment = await txcloud . lending . assess ({ applicant: { id: 'usr_abc123' , first_name: 'Mohammed' , last_name: 'El Amrani' , date_of_birth: '1990-05-15' , phone: '+212612345678' , national_id: 'AE123456' }, employment: { status: 'employed' , employer_name: 'Acme Corp' , monthly_income: 25000 , income_currency: 'MAD' }, loan_request: { amount: 100000 , currency: 'MAD' , term_months: 36 , purpose: 'personal' }, data_sources: [ 'bank_statements' , 'bureau' ] }); console . log ( 'Decision:' , assessment . decision . recommendation ); console . log ( 'Credit Score:' , assessment . credit_score . score ); console . log ( 'Affordable:' , assessment . affordability . affordable );
Assessment Response { "id" : "lra_a1b2c3d4e5f6" , "status" : "completed" , "decision" : { "recommendation" : "approve" , "confidence" : 0.87 , "max_approved_amount" : 100000 , "suggested_term_months" : 36 }, "credit_score" : { "score" : 720 , "grade" : "B+" , "percentile" : 75 , "factors" : { "positive" : [ "Stable employment" , "Regular income" , "Low debt" ], "negative" : [ "Limited credit history" ] } }, "income_analysis" : { "stated_income" : 25000 , "verified_income" : 24500 , "income_match" : true , "income_stability" : "stable" }, "affordability" : { "monthly_income" : 24500 , "monthly_expenses" : 12000 , "existing_debt_payments" : 2500 , "proposed_payment" : 3200 , "remaining_after_loan" : 6800 , "affordable" : true , "dti_after" : 0.23 }, "pricing" : { "risk_tier" : "A" , "suggested_rate" : 12.5 , "rate_range" : { "min" : 11.0 , "max" : 14.0 } } }
Pre-Qualification Quick check before full assessment:
const preQual = await txcloud . lending . prequalify ({ applicant_id: userId , monthly_income: 25000 , existing_monthly_debts: 2500 , loan_amount: 100000 , loan_term_months: 36 }); if ( preQual . likely_qualified ) { // Proceed to full application showFullApplication (); } else { // Show alternative options showAlternatives ( preQual . estimated_max_amount ); }
Income Verification Verify stated income from bank statements:
// Upload bank statements const upload = await txcloud . lending . statements . upload ({ applicant_id: userId , documents: [{ type: 'bank_statement' , bank_name: 'Attijariwafa Bank' , file: statementBase64 , period_start: '2024-07-01' , period_end: '2024-12-31' }] }); // Get analysis results const insights = await txcloud . lending . statements . getInsights ( upload . id ); console . log ( 'Average Monthly Income:' , insights . income . average_monthly ); console . log ( 'Income Stability:' , insights . income . stability ); console . log ( 'Expense Categories:' , insights . expenses . by_category );
Statement Insights { "income" : { "total" : 147000 , "average_monthly" : 24500 , "sources" : [ { "category" : "salary" , "amount" : 147000 , "percentage" : 100 } ], "trend" : "stable" }, "expenses" : { "total" : 72000 , "average_monthly" : 12000 , "by_category" : [ { "category" : "rent" , "amount" : 30000 , "percentage" : 42 }, { "category" : "utilities" , "amount" : 6000 , "percentage" : 8 }, { "category" : "groceries" , "amount" : 12000 , "percentage" : 17 } ] }, "debt_payments" : { "total" : 15000 , "monthly_average" : 2500 , "identified_loans" : [ { "lender" : "Credit Bank" , "type" : "car_loan" , "monthly_payment" : 2500 } ] }, "financial_health_score" : 78 , "red_flags" : [], "positive_indicators" : [ "Regular salary" , "Healthy savings" , "No overdrafts" ] }
Affordability Check Assess if a loan is affordable:
const affordability = await txcloud . lending . affordability . check ({ applicant_id: userId , monthly_income: 24500 , monthly_expenses: 12000 , existing_debt_payments: 2500 , proposed_loan: { amount: 100000 , term_months: 36 , rate: 12.5 } }); console . log ( 'Affordable:' , affordability . affordable ); console . log ( 'Monthly Payment:' , affordability . monthly_payment ); console . log ( 'DTI After Loan:' , affordability . ratios . dti_proposed ); // Stress test console . log ( 'Still affordable at +2% rate:' , affordability . stress_test . rate_increase_2pct . still_affordable );
Ongoing Monitoring Monitor borrowers for risk changes:
// Subscribe to monitoring await txcloud . lending . monitor . subscribe ({ borrower_id: userId , loan_id: loanId , alert_triggers: [ 'score_decrease_50' , 'missed_payment' , 'new_debt' , 'income_change' ], webhook_url: 'https://yourapp.com/webhooks/lending' }); // You'll receive webhooks for alerts // Event: lending.monitor.alert
Credit Score Grades Grade Score Range Risk Level A+ 800-850 Excellent A 750-799 Very Good B+ 700-749 Good B 650-699 Fair C+ 600-649 Below Average C 550-599 Poor D 300-549 Very Poor
Data Sources LendingRisk can use multiple data sources:
Source Data Provided bank_statementsIncome, expenses, cash flow bureauCredit history (where available) telecomAirtime usage, recharge patterns mobile_moneyTransaction history employerEmployment verification
More data sources = more accurate assessment. Use bank statements when possible.
Best Practices
Start with Pre-Qualification
Use prequalify endpoint to filter applicants before full assessment.
Bank statements provide the most accurate income verification.
Always check if loan remains affordable under stress scenarios.
Set up monitoring for early warning of borrower risk changes.
Next Steps 
