For Lenders
Grow your portfolio without adding risk
Most lenders have reached the borrowers visible to bureau systems. The next growth cohort is thin-file and no-file applicants. Accurate scoring is now possible.
See How It WorksThe Opportunity
35M+
Adults in Brazil without a credit file
Brazil has advanced credit bureau coverage, yet 35 million adults remain outside it. Many pay utility bills, manage prepaid mobile accounts, and make peer transfers reliably. They are financially active, but invisible to the bureau.
Thin-file lending: the business case
Once lenders exhaust their bureau-file pool, the next creditworthy cohort remains unscored. They are not necessarily high-risk. They are absent from the file, which creates a growth constraint.
Early-access pilot data shows higher approval rates when thin-file applicants are scored on behavioral signals instead of rejected. Default rates on approved thin-file borrowers tracked on par with bureau-scored approvals over 90-day repayment windows in initial pilots, based on internal pilot data.
These are active borrowers with payment histories. The missing piece was infrastructure to read them.
Integration
Add Supersymm to your existing LOS
No model rebuild or new underwriting logic. Add a complementary scoring layer at the API level.
Connect via REST API
Add one POST call to your loan application flow. For an applicant with no bureau file, or a thin one, send identifiers and consented data to the Supersymm scoring endpoint. It occupies the same step as your bureau pull.
Receive the score in the same sync window
Median API response latency is under 800ms, within the bureau pull decision window. You receive a 0-1000 score, confidence band, and top three contributing signals. Your LOS can use them like any other input.
Apply your own threshold logic
Supersymm provides the score. Your credit policy sets the threshold. Choose a cutoff for your risk appetite, then adjust it as repayment data builds on your thin-file approvals.
Blend or complement: your choice
Where a bureau score exists, combine both signals. For no-file applicants, use Supersymm as the primary input. One score supports both cases without separate underwriting pipelines.
"Our bureau rejection rate for first-time applicants was above 40%. We had assumed those borrowers were genuinely risky. When we piloted Supersymm scoring on the rejected-bureau cohort, we found a large portion had strong behavioral signals. That changed how we think about application routing entirely."
Head of Credit Risk, a consumer lending fintech
Pilot partner, Q4 2025
+34%
Approval rate lift
Across early-access pilots. Internal data from initial 90-day windows with partner lenders.
On par
Default rate vs bureau cohort
Thin-file approval default rates matched those of bureau-scored approvals.
1 API call
Integration surface
Single REST API POST endpoint. No new infrastructure, model rebuild, or underwriting logic change.
Start a pilot with 500 free scores for your borrower population.
No commitment required. Test Supersymm on your thin-file applicants before moving to a paid tier.