Cash flow over credit history
Twelve months of account activity says more about whether someone can carry a payment than a file that has been open for eighteen months.
Below is a concept, not a real business. One version of what you could build on credi.ai.
Consumer credit
Credit for people the bureaus cannot score.
A thin credit file is not a bad one. We underwrite on the evidence people actually have: income, rent, and the way money moves through an account.
Check eligibility For lenders
Thin fileNew to countrySelf-employedRent reportingCash-flow underwriting
An answer, and the reason for it
Every decision comes back with what drove it and what would change it. A declined applicant leaves knowing what to fix.
Built to cross a border
Newcomers arrive with no domestic file and a decade of history somewhere else. That history is evidence, and most lenders throw it away.
- 01 Applicant
Connect an account
Read-only, and revocable at any point. No documents to photograph.
- 02 Model
Underwrite on what is there
Income, rent, and cash flow, alongside whatever the bureau does hold.
- 03 Lender
Price the risk properly
A thin file stops being an automatic decline and becomes a rate.
Most people declined for credit were never actually assessed.
They were filtered on a file that had nothing in it.
Credit, credibility, credential. Three of the most valuable ideas in consumer finance, all growing from the same five letters.
You get that association without paying dictionary-word prices, which is roughly the whole argument for a name at this length.
It also works in Spanish and Portuguese, where crédito is the everyday word, worth thinking about if Latin America is anywhere in your plans, and worth nothing at all if it isn't.
Some ideas
A few things you could build here
None of these are the "right" answer. They're just starting points, and if you have a better one, we'd genuinely like to hear it.
Lending that feels approachable
Consumer credit and BNPL brands live or die on not feeling like a bank. This one is warm before you design anything.
Scoring people the bureaus miss
Thin-file and immigrant borrowers are a large, underwritten market, and alternative-data underwriting is finally good enough to serve it.
Verifying credentials
The other root. Checking that someone is who and what they claim is a growing problem in hiring and in marketplaces.
A neobank with reach beyond the US
A name that reads naturally in three languages is a real asset when you cross a border.
If you want it
We can build whatever you have in mind
Most domains are sold by people who only sell domains. Savo Group is a design, software, and marketing company, so if you want credi.ai live and working rather than parked, that is a conversation we can actually have. Entirely optional, quoted separately from the name, and no hard feelings if you already have a team.
Design and brand
Identity, site design, and the whole visual system. If you have a name and nothing else, this is where it starts.
Software and product
Web apps, platforms, integrations. The thing itself, not just the site that describes it.
Search and growth
SEO, content, and paid acquisition. Getting the domain found once it has something worth finding.
Tick the box on the offer form and we will include some thoughts on what credi.ai could become when we reply. Or say nothing, and we will just talk about the domain.
Terms
Three ways to acquire it
Not every buyer is in the same position, so the domain is available on any of the following. Tell us which suits you and we will put figures against it.
Purchase
$124,888
Pay in full and own it outright.
- credi.ai transfers to your registrar account, normally within three to five business days.
- Full ownership from the moment the transfer completes.
- Escrow.com available on request, with the fee split or covered by us on larger sales.
Payment plan
$10,407.33/mo
Spread the cost over agreed installments.
- $10,407.33 a month over 12 months, with no interest added.
- You point the domain at your site from the first payment, so you can launch right away.
- We hold ownership until the final installment clears, then transfer it to you.
Lease
Agreed with you
Use the domain without buying it.
- We keep ownership and point credi.ai to your site for a monthly fee.
- The rate depends on the term and what you are building, so we agree it with you rather than publishing one.
- Sensible if you want to test a brand before committing to the full price.
- Cancel with 30 days notice, or convert to a purchase at any point.
Whichever route you take, there is no broker in the middle and no commission added to the price. Offers receive a reply within one business day.
Still thinking about it?
Names like this tend to sit until someone decides they want it, and then move quickly. If you're weighing it up, send a number and start the conversation. There's no obligation on either side.
Asking $124,888