“We’ve developed the risk model that enables us to gather data through various touch points, like bank accounts, credit bureaus, tax bureaus and criminal bureaus, to understand the risks associated with the financing, and then make a decision to give them credit based on this,”

https://techcrunch.com/2022/07/20/arrenda-emerges-with-adelanta-a-financing-offering-for-landlords-in-latin-america/