Credit looks at borrowing history
Traditional credit information can reflect how you have managed reported credit accounts. It does not capture every part of your monthly budget.
Cash flow & credit
One number doesn’t
tell the whole story.
Credit history and monthly cash flow offer different views of your financial life. Understanding both can help you ask better questions.
Start in the appYour next chapter starts with a clearer picture.
Cash flow looks at everyday activity
Income patterns, recurring payments, spending, and money remaining provide context about what happens in your accounts.
Learn more
A lender looks at its requirements
Lenders set their own standards and may review credit, income verification, debt, property, and other program information.
Learn more
Context is useful. A guarantee isn’t possible.
Cash-flow information does not replace all lender checks or guarantee approval. Riki estimates and educational tools do not establish what you qualify to borrow.