New Product Release 🙌 🙌 Today, we're thrilled to announce our newest game-changing product: Eligibility Compass. 🧭 Affordable housing verification is a slog (4-8 weeks). Housing providers juggle compliance requirements, high applicant volumes and complexity of modern income profiles (gig work, government benefits, seasonal employment, multiple jobs, and more). Eligibility Compass consolidates bank connections, payroll verification, benefit documentation, and flexible document upload– all in one single applicant experience–to shorten the income and asset verification process to minutes. Our advanced fraud detection analyzes source documentation and identifies potential omissions. Automated cross-referencing catches discrepancies across data sources that could impact eligibility. We're taking Nova Credit's industry-leading infrastructure and applying it to solve problems in underserved markets. The future of affordable housing verification is fast and clear, and reveals the true picture of eligibility. And that future is now. Cheers to building a more fair and inclusive 🏘️ system for the world. Read the full release: https://lnkd.in/e_7iWgth
Nova Credit
Financial Services
San Francisco, California 18,815 followers
To power a more fair and inclusive financial system for the world
About us
Nova Credit is a credit infrastructure and analytics company that enables businesses to grow responsibly through alternative credit data. As a Consumer Reporting Agency (CRA), Nova Credit leverages its unique data infrastructure, compliance framework, and credit expertise to help lenders fill critical gaps in traditional credit analytics. The company transforms the fragmented universe of consumer financial data into compliant, actionable risk insights through a comprehensive platform designed to increase conversion through expanded coverage, speed, and reliability. Leading organizations, including HSBC, RBC, SoFi, Scotiabank, Appfolio, and Yardi, work with Nova Credit to make smarter credit decisions through cash flow underwriting with Cash Atlas™, quickly verify income with Income Navigator, and reach new-to-country consumers with Credit Passport®. We're hiring! https://jobs.lever.co/neednova
- Website
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http://www.novacredit.com
External link for Nova Credit
- Industry
- Financial Services
- Company size
- 51-200 employees
- Headquarters
- San Francisco, California
- Type
- Privately Held
- Founded
- 2016
Locations
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Primary
Get directions
44 Montgomery St
3rd floor
San Francisco, California 94104, US
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Get directions
12 W 21st St
5th Floor
New York, NY 10010, US
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Get directions
The Lighthouse, 1 Kings Cross Bridge
London, N1 9NW, GB
Employees at Nova Credit
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Marcos Santiago
Business enablement through intelligent risk management
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Naga P.
CEO Ratehub,PE-backed FinTech| Fintech CEO| Board Member| Advisor. Ex-SoFi Exec team,GroupHead-PersonalLoans,CreditCards,StudentLoans,LoansPlatform.…
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Mike Ward
Co-Founder & Managing General Partner at Harmonic Growth Partners
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Ryan Nier
Investor (401k) | Eventual Podcaster | ex-Child | Top 2.5% Uncle
Updates
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Nova Credit reposted this
Curious about what’s inside Volume 6 of Payments Unbound? Each volume, we bring to life the stories of the game-changing ideas that are pushing the boundaries of what’s possible in payments, in partnership with J.P. Morgan. Discover more here https://lnkd.in/eW33aeUe With thanks to our contributors: Rubail Birwadker, Global Head of Growth at Visa Ben Gilbert, Co-Host and Co-Founder of the Acquired podcast David Rosenthal, Co-Host and Co-Founder of the Acquired podcast Rachel Aileen StClair, Co-Founder and CEO of Simuli Richie Etwaru, Co-Founder and CEO at Mobeus Julie Samuels, President and CEO of Tech:NYC Brett King, Futurist, Author and Entrepreneur Ken Moore, Chief Innovation Officer at Mastercard Ori Inbar, Co-Founder and CEO of AWE and Super Ventures Adam Elbaz, General Manager, Consumer Banking at Bilt Asha C. Vice President of Product, Builder Experiences at Twilio Chaitanya Varanasi, Advisory Solutions Consultant at MongoDB Ajay Nair, General Manager, Platform at Elastic Brooke Tilton-Foley, Vice President, Treasury Operations at Paramount ✯ Helen Child ✯, CEO of Open Banking Excellence Eyal Sivan, General Manager at Ozone API and host of the Mr. Open Banking podcast Stefano Vaccino , CEO of Yapily Simone Martinelli, CEO of Volume Todd Clyde, CEO of Token.io Ian Morrin, Head of Payments at Tink Misha Esipov, CEO of Nova Credit Alex Marsh, Chair of Salad Paul LaRusso, CEO of Akoya Luciana Samara Kairalla Bahmdouni, General Manager of Open Finance at Nubank Josh Proctor, Chief Financial Officer of Golden State Warriors
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Nova Credit reposted this
🎙️ Episode 4 is live! Host Keenan McCarthy sits down with Misha Esipov, Co-Founder and CEO of Nova Credit, to unpack how cash flow underwriting is reshaping credit decisioning. Fresh off Nova’s $35M Series D, Misha shares how the company is helping banks leverage cash flow data to expand access to credit, why regional institutions may hold a unique data advantage, and what growing industry momentum tells us about adoption across the lending ecosystem. Tune in to hear where credit innovation is headed → https://lnkd.in/eBhCXmuC #Fintech #Lending #CreditInnovation #CashFlowUnderwriting #CanapiConversations
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Nova Credit reposted this
Thrilled to have represented Nova Credit at #Money2020 with Kristie H. , Will Charnley , and Kyle Mack on the Converge Stage, chatting how to Know Your Customer. M2020 is always a great time to catch up with old friends and make some new ones - thanks for everyone who took time to meet, join us for an event, or just catch up over a quick coffee!
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Nova Credit reposted this
Debt data alone cannot tell the whole story. Nova Credit's Misha Esipov explains how cash flow underwriting gives lenders the missing half: income, spending, and savings, turning fragmented innovation into a standard. The result is fairer credit decisions at scale. Check out the full Monday Conversation on PYMNTS: https://hubs.ly/Q03QdFMQ0
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Nova Credit reposted this
☕ ☕ Nothing we love more than starting our day talking about cash flow analytics! Join us Monday morning at Money20/20 for our "Coffee & Conversation: Cash Flow Analytics" with live Q&A moderated by Alex Johnson and featuring Doug S. and Chris Hansen reviewing how cash flow data is transforming lending—from second look to continuous risk assessment and dynamic credit line management. Come learn how it works, hear real use cases, and discover the practical path to implementation (plus: grab breakfast 🍳 with peers)! Check out all of our events at Money20/20 and book a meeting with us: https://lnkd.in/eR7TPKCq
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☕ ☕ Nothing we love more than starting our day talking about cash flow analytics! Join us Monday morning at Money20/20 for our "Coffee & Conversation: Cash Flow Analytics" with live Q&A moderated by Alex Johnson and featuring Doug S. and Chris Hansen reviewing how cash flow data is transforming lending—from second look to continuous risk assessment and dynamic credit line management. Come learn how it works, hear real use cases, and discover the practical path to implementation (plus: grab breakfast 🍳 with peers)! Check out all of our events at Money20/20 and book a meeting with us: https://lnkd.in/eR7TPKCq
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Nova Credit reposted this
💡 💡 💡 Reflecting on the 2025 Cash Flow Underwriting Summit last month. 300+ industry leaders. 38 of the top 40 largest banks and fintechs. Standing room only. And some of the most candid conversations I've witnessed about the future of America’s credit system. We drove our industry a few steps forward. A few years ago, cash flow underwriting was a side topic at conferences. This year, we have entered the steepest part of the adoption curve with leaders across the industry delivering production results: 15-40% approval rate lift for opportunity declines. Traditional bureau data is increasingly noisy—credit builders, soft inquiries, BNPL gaps making historically reliable signals harder to discern. What energized me most was the rapid expansion of use cases coming to life from growing top-of-funnel, to second look underwriting, to line assignment, and much much more. 🔌 At Nova Credit, we've built the infrastructure, analytics, and compliance to make cash flow underwriting plug & play. 🔌 Can't thank all of the incredible speakers enough speakers Nichole Mustard Richard Cordray, Ankur Jain, Paul LaRusso, Penny Crosman, Chris Reagan, Sarah Davies, Ph.D., Jane Barratt, Bart Willaert, Catherine Hogan, Amy Crews Cutts, John McNamara, Matt Lattman, Munish Pahwa, Ph.D., Debtosh Banerjee, Anand Bhushan, Evan Bryman, Dev Chakraborty, Kelly Thompson Cochran, Kevin Feltes, Bill Garber, Alex Johnson, Chris McCall, Jim McGinley, Das (Prasanth) Mohandas, Brent Montgomery, Lalitha R., Dave Wasik & Joy Wilder Lybeer. If you missed the Summit, 💻 register for the recording to hear directly from the industry leaders building the future of credit today: https://lnkd.in/eG5rRw5T If you'll be at Money20/20 this year, let's catch up.
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We're building for the future. 🚀🚀🚀🚀 We're thrilled to announce our $35M Series D led by Socium Ventures, with participation from Canapi Ventures, Kleiner Perkins, General Catalyst, Index Ventures, Y Combinator, NA Ventures, Harmonic Growth Partners, Radiate Capital, and Gaingels. Cash flow underwriting has hit an inflection point. Nearly 100 million Americans have limited or no access to credit because legacy bureau data tells an incomplete story. This funding allows Nova Credit to accelerate our platform build and GTM to make comprehensive cash flow underwriting plug-and-play. The future of credit puts consumers at the center. And that future is now. Here's to building a fairer financial system. 💳 Read the full release: https://lnkd.in/eGJvH84u
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We're heading to Money20/20 🚀 🚀 🚀 The industry inflection point is here—conversations have shifted from "should we use cash flow data?" to "how do we scale it across our portfolio?" Here's where you can find the Nova Credit team to learn more about our market-leading platform: 🎤 Data Summit Panel - Sun, Oct 26 at 1:15pm "A Credentialess Future: The Next Frontier of Alternative Data" with Gen's Global Head of Financial Wellness Technologies Tim Hong and Nova Credit's CEO Misha Esipov 🎤 Identity and Risk Panel - Mon, Oct 27 at 9:40am Join Nova Credit's Head of Data Science Solutions Nikki Cross on expanding approvals while managing risk responsibly ☕ Cash Flow Conversations & Coffee - Mon, Oct 27 at 8:30am Breakfast deep dive on multi-source connectivity and compliant infrastructure for scale ..And at so many more invite-only events. Limited spots remain. 🔥 👉 Check out all of the events and connect us with us: https://lnkd.in/eR7TPKCq
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