Plaid is transforming the full lending lifecycle by integrating cash flow data and insights, enabling lenders to get a more complete and real-time picture of their borrowers' financial stability. This allows for better risk assessment, improved decision accuracy, and enhanced portfolio performance while reducing risk. With Plaid's solutions available via API or no-code dashboard, lenders can streamline various stages of the lending lifecycle, including prequalification, asset and income verification, underwriting, and servicing. By leveraging cash flow data and insights, lenders can make smarter, more inclusive acquisition decisions, improve targeting for creditworthy applicants, and optimize risk-adjusted pricing and approvals. Plaid's solutions also enable faster and more accurate underwriting decisions, proactive loan servicing, and risk monitoring, ultimately providing a competitive advantage to lenders who adopt cash flow underwriting with real-time data and insights.