“One of our customers, for example, may be a teacher or a nurse who may be in the same job for five or six years, may have a FICO [credit score] of 550, and thus be declined from any affordable financial product. We can actually show that their income stability is totally there, they’ve been employed for a long time, and they’re actually going to perform much better [in repaying a loan],” Lin said.

https://techcrunch.com/2022/01/18/pinwheel-raises-50m-series-b-at-500m-valuation-for-its-income-verification-apis/