Smarty now powers cleaner consumer data in EDGE’s cashflow bureau platform

Smarty is partnering with EDGE, the cash flow bureau that helps lenders turn bank transaction data into decision-ready consumer insights, to bring verification capabilities into EDGE’s non-credentialed lead screening solution.

The integration helps lenders validate and standardize consumer address data, alongside recent cash flow insights, before requiring new account connections from applicants. For lenders, that means cleaner records earlier in the consumer journey, fewer steps for applicants, and stronger data quality across marketing, underwriting, loan servicing, and relationship management workflows.

Consumer lenders increasingly need decision-ready data that reflects both a borrower’s financial reality and the accuracy of the consumer information used across the lending lifecycle. By bringing Smarty’s verification into EDGE, lenders can reduce friction caused by incomplete, inconsistent, or inaccurate address data while improving confidence in consumer records used for lead screening, credit risk assessment, KYC initiatives, and ongoing relationship management.

EDGE operates as a cash flow bureau and consumer reporting agency, issuing cash flow-derived consumer reports with income verification attributes, scores, and credit risk analytics informed by real-world loan performance from a growing network of financial institutions and fintech lenders. 

Consumers give EDGE permission to use their cash flow data, so lenders can see more up-to-date financial signals before and after a loan is created. That helps them spot borrowers who may actually be more or less of a risk than their credit score suggests.

“EDGE was built to help lenders see consumers more clearly, especially when traditional credit scores do not tell the full story,” said Brian Reshefsky, CEO of EDGE. “By adding Smarty-powered verification capabilities, we’re strengthening the data foundation for EDGE’s non-credentialed insights, helping lenders better evaluate consumers earlier, with greater confidence and less friction for applicants.”

Smarty’s role is to strengthen the address data layer behind those workflows. Processing billions of addresses daily, Smarty helps organizations validate, standardize, and enrich consumer records through scalable APIs. Smarty’s address verification, autocomplete, rooftop geocoding, and data enrichment capabilities help improve the accuracy and usability of location-based data at scale, including prior to a new bank connection request.

“Financial services teams can’t move confidently without accurate data from authoritative sources,” said Brent Francom, Director of Product Management at Smarty. “By bringing Smarty verification into EDGE, we’re giving lenders the cleanest possible starting point to evaluate consumers, manage relationships, and make more confident decisions across the customer lifecycle.”

EDGE’s offering extends beyond cash flow underwriting, with full-lifecycle solutions spanning non-credentialed lead screening and post-origination loan servicing. With Smarty verification added to the platform, lenders can work from cleaner consumer records, make stronger top-of-funnel decisions, and rely on more consistent data across key lending workflows.

About EDGE

EDGE is the cashflow bureau. EDGE delivers decision-ready insight into borrowers’ financial health, helping lenders strengthen underwriting, improve member relationships, and support more inclusive lending. Developed through real-world lending experience and machine learning, EDGE allows lenders to approve applicants with thin or no credit history, including recent immigrants, young adults, and other underserved populations. As a consumer reporting agency built on cash flow data, EDGE’s risk attributes and scores support compliant consumer risk assessment and help lenders identify opportunity and risk beyond traditional credit scores.