## Products that decrease risk and increase repayment rates

#### Speed up the loan application process

#### Improve repayments by connecting to the direct deposit

#### Make more informed lending decisions

#### Use data for credit decisioning

#### Safely tap into new customer segments

### We provide more than just data

Unlike other income and employment data providers, Pinwheel does the heavy lifting to help our clients make sense of their customers’ data. Spend less time interpreting data and more time serving your customers.

Underwrite loans

Pinwheel Earnings Stream breaks down customers’ income data into categories that span historical cash flows, earnings in the current pay period, and projections of future earnings. Prevent loan delinquencies and defaults by monitoring the accrued earnings we update in real time.

[Learn more ➔](/content/old-site/old-website/earnings-stream/index.html)

Implement an efficient loan application process

Quickly assess applicants’ income and employment with Pinwheel Verify. Remove the burden from applicants to manually upload proof of income and employment documents.

[Learn more ➔](/content/products/income-verification-api/index.html)

## Launch new features and services quickly with Pinwheel Link

Pinwheel Link is our platform interface which enables end users to search for their employers and payroll providers.

.webp)

.png)

%20(2).webp)

Many interfaces, one Pinwheel, fully customizable.

.svg)  
No -code  
.svg)  
Embed  
.svg)  
API

3X industry average coverage

99.9% uptime

First CRA in the industry

### Ready to discover what Pinwheel can do for you?

Get in touch to explore Pinwheel’s solutions across direct deposit switching, income and employment verification, earned wage access, and more.

[Request demo](/content/about/contact/index.html)