Digital Lending Solution

Approving NTC Borrowers? 1 in 3 Could Be Fraud. We Spot Them.

QuarkfinAI’s lending risk platform catches synthetic identities, prevents loan stacking, and slashes defaults, so you can grow your book confidently

Digital Lending’s Invisible Profit Drains

Risk

  • Synthetic Identities
  • Loan Stacking
  • First-Party Fraud
  • Income Fabrication

Financial Impact

  • 25-40% of NTC defaults
  • 3-5X exposure per borrower
  • 15% of "legit" defaults
  • 2X higher delinquency risk

How Fraudsters Operate

  • Stolen SSNs + fabricated credit histories
  • Simultaneous applications across lenders
  • "Never pay" intent from day one
  • Fake pay stubs/bank statements

AI That Lends Like a Veteran Risk Officer

Synthetic Identity Detection

  • Stolen SSNs
  • Fabricated credit histories
  • Ghost applicants

How It Works:

  • Cross-Lender Network: Flags identities applying simultaneously elsewhere
  • Document Forensics: Detects tampered pay stubs/bank statements
  • Behavioral Scoring: Analyzes application patterns (typing speed, device hops)

Smart NTC Underwriting

  • Safe thin-file lending
  • Lower defaults
  • Higher approval rates

How It Works:

  • Alternative Data Scoring: Analyzes cash flow, education, and employment signals
  • Portfolio Immunization: Learns from your historical defaults
  • Self-Serve Rules Engine: Drag-and-drop credit policies

Loan Stacking Shield

  • Multi-lender exposure
  • Bust-out schemes

How It Works:

  • Real-Time Consortium Data: Shares risk alerts across lender network
  • Velocity Checks: Flags rapid sequential applications
  • Device Fingerprinting: Links borrowers across aliases

Underwrite 100 Loans Free. See the Difference.

Free analysis of your last 100 defaults + 30-day loan monitoring trial + No integration required (CSV upload option).