An extension of your underwriting team, on demand
Send us a borrower file when you need extra diligence. We verify income, employment, education, assets, debts, identity, and business existence. AI-first, with a human reviewer on every case that calls for judgment.
Diligence on every borrower you want a closer look at
Seven verifications, one intake form
Income, employment, and education
Paystubs, employer attestations, school registrar lookups, T4s, and self-employment cashflow. We capture the document trail and resolve discrepancies between sources before the report goes back.
Identity, assets, debts, and business existence
Government ID validation, bank-statement asset confirmation, credit and registry debt pulls, and operating-status checks against provincial registries and corporate filings.
AI-first, human-deepened where it matters
Pick the depth per request
Standard diligence runs through automated checks for cases that fit a clean profile. Hybrid diligence routes complex files (gig income, foreign documents, owner-operator businesses) to a human reviewer before the result returns.
Every flagged case lands with a human reviewer
If the AI surfaces a contradiction, an unreadable document, or an edge case outside its training distribution, a credit analyst takes over. You see the result, not the handoff.
Diligence inside the deadline you set
Pick the SLA when you ship the request
1-hour, 12-hour, or 24-hour deadlines on every file. We run the diligence in parallel to your own underwriter and return the report inside the window. Your decision timeline doesn't change.
Structured results, not a PDF
Each verification returns a result code (verified, partial, contradicted, unverifiable) and the underlying evidence. Your underwriting system ingests it the way it would your own data.
Re-qualify the borrowers your filters auto-rejected
Continuous monitoring of the auto-reject pool
We watch the variables your auto-rejection rules depend on (credit score, time in business, declared revenue) and surface borrowers whose profiles have moved into your credit box since they applied.
Re-verify the data points that gated the decision
When a borrower self-reports $90k in revenue against a $100k threshold, we re-verify against bank statements and tax filings. If the actual number qualifies, the file comes back to you with the corrected data.
How much revenue is sitting in your auto-reject pool?
Plug in your numbers. We'll show what re-qualifying a slice of your auto-rejects would mean for annual originations and net interest margin.
Applications auto-rejected per month
Add Sphera to your diligence stack
We start with a sample of your active applications or auto-reject pool, return verified files within your SLA, and benchmark accuracy against your existing process.