Modernizing the rental application process through data transparency.
FintekFlow is a Houston-based financial technology company dedicated to modernizing the rental application process. We believe that a tenant’s ability to pay rent should be measured by their real-time cash flow and income stability, not just an outdated credit score.
Millions of financially responsible renters—including freelancers, gig workers, and new residents—are often "credit invisible" to traditional screening algorithms. Our mission is to bridge this gap. We provide a secure, transparent standard for Cash-Flow Underwriting, allowing applicants to demonstrate their true solvency to property owners.
We act as a Neutral Financial Auditor. Using secure, bank-level encryption and open banking APIs, we analyze transactional data to verify income and calculate rent coverage ratios.
We provide certified data snapshots that empower landlords and locators to make informed independent decisions.
We do not approve or deny applications. The final decision always rests with the property owner.
We do not act as real estate brokers or financial advisors. We are an objective data provider.
Data privacy is our foundation. FintekFlow does not sell user data to third parties. Our reports are generated strictly for the purpose of the specific rental application authorized by the user.
Houston, Texas
Mon-Fri, 9:00 AM - 5:00 PM CST