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PARTNER

PrestaTech

AccountScore Partner

Reading the heartbeat of your borrowers

Key Benefits

  • Better underwriting decisions with cash flow data. Underwrite SMB and consumer loans on real-time affordability and cash flow signals alongside bureau data: more accurate decisions and up to 20% more approvals, including thin-file applicants, at the same risk appetite.
  • Catch portfolio risk before it becomes default. Monitor your existing book on live transaction data: early-warning signals weeks or months before delinquency, plus new growth opportunities and personalized offers for borrowers who qualify.

“Prestatech provided Banca AideXa with a reliable PSD2 alternative for data aggregation. Their categorization engine transformed cash flows into the analytical foundation to rapidly build a high-performing scoring model.”

Matteo Camelia, Head of data office at Banca Aidexa

The credit intelligence layer for banks

Prestatech is a credit intelligence and decisioning platform that turns bank transaction data into real-time underwriting and portfolio-monitoring signals. Built by former lenders (the team grew out of one of Europe’s first digital SMB lenders), the platform pairs bureau data with proprietary cash flow scoring, DSCR, affordability and 50+ behavioral signals, so banks approve more borrowers at the same risk appetite and catch distress months earlier. Every score is deterministic, explainable and audit-ready, built for model risk governance in regulated lending. Prestatech is not a data aggregator: it reads and interprets the transactions others move. 40 billion transaction lines analyzed; ISO 27001 and SOC 2 Type II certified. Named one of the world’s top fintech companies 2026 by CNBC and Statista.

Resources

About PrestaTech Services

  • PrestaTech Products:

    Cash flow underwriting and credit scoring (proprietary PSCORE, DSCR, affordability)

    Real-time portfolio monitoring with early-warning signals

    Pre-scoring of existing customers and growth opportunity detection

    Transaction categorization and enrichment

    Bank statement and document parsing

    90-day forward cash flow forecasting

    KYC/AML triggers, covenant tracking and sanction screening

  • Countries Supported:
    • NA
    • EMEA
    • LATAM