Discover your real purchasing power in 2 minutes without affecting your credit
Calculate your Debt-to-Income ratio (DTI) and know exactly how ready you are to rent, buy land, or apply for a loan — before paying any application fee.
Step 1 · What do you want to do?
One Compliance Engine. Every Funding Path.
FintekFlow is a federal-grade middleware platform that sits between applicants and operators — verifying real cash flow, generating immutable audit records, and enforcing DOJ/ECOA standards automatically.
Cash-Flow Underwriting via Plaid
Real-time income verification through Open Banking. Zero credential storage — tokenized sessions only.
Immutable ATR Certificate (SHA-256)
Cryptographically hashed certification event on every approval. Tamper-evident, blockchain-grade provenance.
DOJ Paragraph 14 Compliance
Structurally aligned with DOJ consent decree standards. Audit-ready for fair lending examinations.
Automated Adverse Action Notice
ECOA Regulation B compliant notices generated automatically per application — no manual drafting.
Stop Buying Illusions. Start Buying Certainty.
Traditional Portals
- ✗Zillow & agents sell you the dream, ignore approvals
- ✗Credit score-only screening — ignores real cash flow
- ✗Blind $100+ application fees with no guarantee
- ✗No adverse action guidance when rejected
FintekFlow
Mathematically Guaranteed Ability-to-Pay (ATR)
- ✓Open Banking verifies your real income via Plaid
- ✓Zero credit score impact — soft pull only
- ✓Immutable ATR Certificate landlords & lenders trust
- ✓Automated Adverse Action guidance if DTI is high
Seamless CRM & API Integration
A Plug & Play Compliance Layer
Vendor-Agnostic Architecture
Built for Salesforce & HubSpot. Drop FintekFlow into your existing workflow without changing your stack.
Zero-Friction Webhooks
Real-time ATR verdicts delivered to your CRM the moment a certification completes.
Data Minimization by Design
GLBA-minded architecture. Raw transactional data purged post-computation. Only the verdict persists.
Bank-Level Security
AES-256 encryption at rest · TLS 1.3 in transit · SHA-256 audit hashes on every event.
{
"event": "atr.certification.completed",
"timestamp": "2026-04-28T05:12:34Z",
"final_atr_dti_ratio": 0.31,
"monthly_net_income": 5420.00,
"compliance_verdict": "APPROVED",
"compliance_hash_sha256": "a3f9c2…e8b1d4",
"glba_purge_confirmed": true
}Pricing
Federal-grade compliance infrastructure priced for every layer of the market — from individual buyers to enterprise operators.
Pay-As-You-Go
Pay-as-you-go, frictionless for locators & independent operators.
What's included
- Cash-Flow Underwriting via Plaid Open BankingZero credential storage — tokenized sessions only
- DTI Report & Coverage RatioFull 90-day income/liability analysis
- DOJ Paragraph 14 ComplianceStructurally aligned with DOJ consent decree standards
- SHA-256 Immutable Audit HashTamper-evident trail on every certification event
- Automated Adverse Action NoticeECOA Regulation B ready — generated per application
Custom B2B Subscription
Volume pricing for operators running 10+ verifications/mo.
Everything in Pay-As-You-Go, plus:
- API / Webhook IntegrationDirect sync to Salesforce, HubSpot & your CRM
- White-Label PDF BrandingATR Certificates branded with your company logo & colors
- Multi-Tenant Compliance VaultIsolated audit trails per operator / property portfolio
- Dedicated Technical SupportNamed compliance engineer — SLA-backed response times
- Custom ECOA Audit ReportingExportable Reg B record sets for regulatory review
- Unlimited ATR CertificationsVolume pricing with no per-cert ceiling
Financial Passport
Stop paying to be rejected. Know your approval odds before applying.
What you get
- Immutable ATR CertificateCryptographically hashed — valid for 90 days
- Zero Credit Score ImpactSoft pull only — no hard inquiry on your report
- Cash-Flow Verification via PlaidReal income, not just a credit number
- Automated Adverse Action NoticeKnow exactly why — and how to fix your DTI
- Downloadable PDF ReportShare with any landlord or lender instantly
🔒 Federal-grade AES-256 encryption · GLBA Zero-Retention
Pass-Through Entity Notice: FintekFlow, operated by FOCUS SYSTEMS CONSULTING CORP, is exclusively a compliance middleware platform. We are not a Consumer Reporting Agency (CRA) under FCRA § 1681a(f), do not originate or broker credit, and do not make leasing or lending decisions. All final underwriting decisions remain the sole responsibility of the subscribing Operator. Prices subject to change upon 30 days' written notice.
FAQs
How do you protect my financial data?
Under the GLBA Safeguards Rule, we operate a Zero-Trust perimeter. We are a pass-through entity and purge non-essential PII after the required audit period.
What happens if my DTI is too high?
You will receive an automated Adverse Action Notice (FCRA compliant) and a restructuring guide with the maximum allowed payment.
Commercial Partners
Trusted by top industry providers for open-banking and compliance: Plaid, Checkr, and leading Texas Developers.