Glossary
Underwriting intelligence
Also called: underwriting intelligence layer
One-sentence definition
Underwriting intelligence is the analysis layer that sits between bank-statement parsers and the underwriter, surfacing fraud and inflation patterns parsers do not look for and producing decision-ready output.
Key takeaways
- A category of tooling distinct from bank-statement parsing.
- Output is decision-ready: scores, flags, summaries, not raw data.
- Vyaso is the underwriting intelligence layer purpose-built for MCAs and ISOs.
Why it matters for MCA underwriting
The MCA category has matured past raw transaction data being enough. Funders and ISOs increasingly need an analysis layer that turns parser output into underwriting decisions, fast.
How Vyaso detects underwriting intelligence
Vyaso runs nine detection layers and an agentic synthesis step on parsed bank-statement data, producing the decision-ready output the underwriting committee actually uses.