Prism
39 employees on LinkedIn Β· 8 known investors
Prism Data provides cash flow underwriting infrastructure and predictive analytics for financial institutions to assess creditworthiness of consumers without traditional credit history. The platform serves lenders and banks seeking to expand credit access while maintaining regulatory compliance.
Also known as Prism Data
Founders & leadership
Investors Β· 8
Company profile
researched Aug 2026Prism Data provides cash flow underwriting infrastructure and predictive analytics that convert raw deposit account transaction data into scores, attributes and categorized account activity used in consumer and small-business credit decisions. Its product line includes CashScore, a three-digit score predicting credit risk and first-party fraud; Insights, a set of thousands of trended attributes covering income, asset and expense activity, financial behaviors and red flags; Income, which measures gross and net pay, income stability, employment and multiple income sources; and Categories, which cleans and categorizes disorganized transaction data for underwriting use.
The CashScore family includes specialty variants: CashScore Detect, aimed at first-party fraud and early payment defaults in buy-now-pay-later and short-term credit, and CashScore Extend, aimed at default prediction on high-risk short-term products such as cash advance, earned wage access and lease-to-own. The company states its scores are FCRA-compliant, fair lending approved and supported by model governance, and that adverse action reasons are provided with each score. Operationally, clients pull deposit account data through a data aggregator or their own systems, de-identified data is passed to Prism via aggregators, decision engines or a single-endpoint API, and outputs are returned with sub-second response times and stated availability above 99.9%.
Prism markets its products across use cases including auto finance, BNPL, cash advance/EWA, credit cards, debt consolidation, HELOC, home improvement, merchant cash advance, mortgage, payments, personal loans, POS financing, rent splitting, RTO/LTO, small dollar lending, SMB lending, student lending, tenant screening and utility/telco screening.
Founding story
Prism's data work started in 2016 inside Petal, a credit card company serving consumers underserved by traditional credit, at a time when alternative sources of consumer financial information were becoming digitally accessible. The effort was formalized as Prism Data in 2020 and spun out as an independent company in 2023.
Business model
Prism sells its scores and analytics products to lenders and financial institutions, delivered off the shelf through data aggregators and decision engines or through a direct API connection, with prospects engaged via backtests and proofs of concept.
Products are sold to financial institutions as scoring and analytics services accessed via API, aggregator or decision-engine integrations.
Traction
The company reports seven years in market, millions of credit decisions and billions of dollars in originations underwritten with CashScore, including $1B in credit made available in 2021 and $2B in 2022. Named users and partners on the site include Citi, Synchrony Financial, Elevate, Plaid, Equifax and LexisNexis.
Latest developments
In 2025 Prism launched CashScore v4, its consortium-based cash flow score, along with CashScore Detect and CashScore Extend, and v4 versions of Categories, Insights and Income.
βΈFull profile β market position, technology, go-to-market, geography, history
Market position
Prism describes itself as having pioneered cash flow underwriting and cites seven years in market, millions of decisions and billions in credit originations. Its site lists customers and partners including Citi, Synchrony Financial, LexisNexis, Equifax, Plaid, Step, OnePay, Possible, LendingUSA, Elevate, Neo and Majority.
Prism emphasizes an off-the-shelf, pre-integrated score derived from consortium data and years of model iteration, an average 30% predictive lift when added to traditional credit scores, risk prediction independent of credit bureau scores, coverage of thin- and no-file applicants, and FCRA compliance with explainable adverse action reasons.
Technology
Consortium-based models trained on large datasets spanning millions of records across lenders and products, producing a three-digit CashScore plus thousands of trended attributes from consumer-permissioned and first-party deposit account data. Delivery is via a single-endpoint API with sub-second response times and stated availability above 99.9%. Scores are designed to be explainable, with adverse action reasons, and the company maintains a security program certified annually through an independent SOC 2 Type II audit.
Go-to-market
Direct enterprise sales to banks, fintechs and other lenders, supported by case studies with named clients, backtests and proof-of-concept engagements, and distribution through leading data aggregators and decision engines. The company also has a strategic partnerships function.
Banks, fintech lenders, credit card issuers, BNPL and cash advance/EWA providers, auto and mortgage lenders, SMB lenders, and tenant and utility screening providers.
Geography
Hybrid operations with offices in New York City and San Diego (La Jolla/UTC), with some roles remote within the United States.
History
Development of the underlying data work began in 2016 with the team behind Petal, a credit card for underserved consumers. The original CashScore model development started in 2016; in 2018 the CashScore was approved by its first financial institution and used in consumer lending decisions. Prism Data was created in 2020, alongside development of Categories, Insights and Income. The company reports $1B in credit made available using CashScore in 2021 and $2B in 2022, with CashScore v2 launching in 2022. Prism Data was spun out into an independent company in 2023, the same year CashScore v3 launched. CashScore Detect launched in 2024, and 2025 brought CashScore v4, Detect and Extend, plus v4 releases of Categories, Insights and Income.
Compiled by commissioned research from 8 cited public sources β announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed β not independently audited.
Competitors Β· 1
by search overlap
Companies competing with Prism for the same Google search keywords, organic and paid, via search-intersection analysis.
Timeline Β· 8
launches, deals, and filingsPrism released CashScore v4, its consortium-based cash flow score, alongside CashScore Detect and CashScore Extend, and v4 versions of Categories, Insights and Income.
Specialty score for detecting first-party fraud and reducing early payment defaults.
Prism Data was spun out as an independent company in 2023, the same year CashScore v3 launched.
The CashScore was approved by its first financial institution and used in consumer lending decisions.
Development of Prism's data and original CashScore model began in 2016 with the team behind Petal, a credit card for underserved consumers.
Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.
In the news
Prism Valuation Hits βΉ67,200 Crore, Joins Hurun Top 10 | Whalesbookwhalesbook.com Β· Jul 2026βΈResearch sources Β· 8
primary sources listed
- Prismprismdata.com Β· web
8 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does Prism do?
- Prism Data turns consumer bank transaction data into cash flow underwriting scores and analytics for lenders.
- Who founded Prism?
- Prism was founded by Jason Rosen.
- Who are Prism's investors?
- Prism's investors include Afore Capital, Core Venture Capital, Fairhaven Capital Partners, NOEMIS Ventures, Obvious Ventures, Samsung Next, Story Ventures, Third Prime.