Capacity based on margin, income, obligations, liquidity, and low-balance pressure.
Priority and consistency signals, without moralizing the borrower.
What happened after stress: persistence, stabilization, or course correction.
Lender outlook
Signal breakdown
Prototype heuristic — not a validated credit-risk model. Weights are transparent working assumptions for discovery conversations.
| Signal | Direction | Weight |
|---|
Borrower rehabilitation path
Context interpretation
Single Applicant Assessment: local CSV upload
Upload a de-identified transaction CSV or one or more PDF statements for the same applicant
CSV requires date, amount, and category; description is optional. PDFs must contain selectable text, not scanned images. Select multiple PDFs together to analyze them as one applicant history.
Portfolio Assessment
For lender discovery: upload a synthetic multi-borrower monthly CSV. Moira groups records by borrower_id and evaluates longitudinal history rather than treating rows as individual transactions.
Routing architecture: Moira is lender-facing and evaluates objective financial outcomes. Coaching is a separate optional consumer-facing recovery pathway; Moira does not score borrower obedience to coaching.
Upload synthetic lender portfolio CSV
Expected columns include borrower_id, month, credit_score, revolving_utilization_pct, liquid_reserves, monthly_cashflow_surplus, dti_pct, overdraft_nsf_count, large_discretionary_spike, temporary_income_shock_flag, lender_decision, and product.
Pilot access and data handling
Moira is currently available as a prototype for lender discovery, risk-team feedback, and controlled pilot review.
- The public demo uses synthetic borrower scenarios.
- The CSV pilot is intended for synthetic or carefully de-identified transaction data.
- Uploaded CSV and PDF files are processed locally in the browser and are not stored or transmitted by this prototype.
- Do not upload names, addresses, email addresses, phone numbers, dates of birth, Social Security numbers, bank or card numbers, credentials, or free-text notes that could identify a person.
- Moira is not currently intended for live credit decisions, adverse action, or production borrower evaluation.
This prototype does not promise better rates or approval.
Organizations interested in pilot participation can evaluate the behavioral trajectory logic, lender-facing report format, reevaluation routing, and optional coaching-referral architecture before any production data integration is considered.
For pilot opportunities and partnership inquiries, contact hello@getsplenvy.com.