EDGE and MX Partner to Elevate Cashflow-Based Lending Decisions

In a move poised to reshape cashflow underwriting, EDGE, the pioneer in cashflow analytics for lenders, has joined forces with MX Technologies, a leading provider of account aggregation and verification tools. The partnership is designed to give credit unions, fintechs, and consumer lenders deeper, more accurate insights into borrower finances—with fewer user drop-offs and higher-quality data.

The result? More reliable risk assessments, better loan conversion rates, and a step closer to cashflow underwriting becoming mainstream in consumer lending.

Cashflow Underwriting, Now with Turbocharged Connectivity

With MX’s trusted aggregation and verification tech now integrated into EDGE’s risk assessment platform, lenders will see significant improvements in both data fidelity and user experience. MX’s broad coverage of U.S. and Canadian demand deposit accounts—over 75% via direct connections—ensures consumers can quickly and securely link financial accounts without the usual connectivity hiccups.

“Lenders need analytics they can trust,” said Brian Reshefsky, CEO of EDGE. “Working with MX boosts our connection success rates and drives more originations based on robust, real-time cashflow insights.”

This alliance enhances EDGE’s ability to provide lenders with a complete financial picture, powered by income, spending, and savings behaviors—insights traditional credit reports can miss. The data is derived from an open banking network and refined through the industry’s only data lake that maps banking activity to loan outcomes, giving EDGE’s models proven predictive firepower.

Why It Matters: Beyond the Credit Score

As consumer lending becomes more competitive and inclusive, cashflow underwriting is gaining serious traction—especially for borrowers who may lack a strong traditional credit history. By functioning as the first cashflow consumer reporting agency (CRA), EDGE enables lenders to make decisions on bank transaction data with the same compliance and regulatory safeguards as credit bureau data, including the delivery of a familiar three-digit risk score.

This is especially timely, given the broader push in the financial ecosystem for alternative data and open banking frameworks that empower consumers and reduce credit access barriers.

“EDGE’s analytics are a great use case for our connectivity and verification services,” said Don Parker, EVP of Partnerships at MX. “Together, we’re improving the real-time decisioning capabilities that help lenders serve more customers, more fairly.”

MX’s Muscle: Secure, Fast, and Verified

MX brings to the table a secure, permission-based aggregation platform backed by direct-to-bank APIs with most of the top U.S. financial institutions, ensuring smoother account linking and real-time data verification. This reduces friction in the loan application process—one of the major culprits behind dropped applications—and allows EDGE to pull in clean, verified data for underwriting.

That data is then enriched and analyzed using EDGE’s proprietary models—developed from over a decade of outcomes-based analysis—giving lenders a more nuanced, accurate view of borrower capacity and behavior.

The Bigger Picture: Responsible Access at Scale

This partnership is not just about improved tech; it’s about scaling access to responsible credit. With more regulatory focus on fairness and inclusion, and a shifting landscape around data ownership, this kind of collaboration points to the future of underwriting.

It’s also a signal that cashflow analytics is maturing into a serious alternative to traditional credit scoring—especially for the growing number of Americans whose financial lives don’t fit neatly into legacy models.

“We’re advancing our shared goal to enable more and better access across the financial ecosystem for all consumers,” added Parker.

For lenders, it’s a powerful combination: cashflow analytics that are accurate, regulatory-compliant, and now easier to deploy than ever.