Power on the most advanced credit decisioning

The iQ Decision Engine (iQDE) is a cloud-based platform that automates lending and risk decisions with real-time results. No coding, simple integration, scalable, and safe – with the data sources lenders want.

Why iQ


Years of innovation


Loans originated for our clients


Credit issued on our platform

Do more than keep up – stay ahead when lending online

Whether online lending is the next step for your business or already a big part of it, we'll help you deliver faster credit decisions and a seamless customer experience. We built a best-in-class decision engine that's fully customizable.
There’s no limit to how much your business can grow.

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Supercharge your credit decisioning with iQ Scores

Simplify your lending operation with the use of our cutting-edge scoring models. iQ Scores help you understand your risk, reduce fraud, and precisely target the right customers.

iQ Risk ScoresTM

Evaluate risk potential so you get the most lucrative customer relationships

iQ Fraud ScoresTM

Detect and prevent fraud before it happens with dynamic behavioral analytics

iQ Marketing ScoresTM

Identify the best leads for your products based on your criteria and business goals

Pre-built Bureau Integration for fast deployment

  • API integrations allow real-time access to critical decisioning data from: TransUnion, Experian, Clarity, Microbilt, Decision Logic, LexisNexis, Teletrack, and Factor Trust, just to name a few

Unlimited Segments

  • Brands, channels, former customers, locations, and more
  • Support for multiple acquisition channels & pre-approved, organic, affiliate, lead generation

Improved Efficiency

  • Collect waterfall decisioning data for price efficiency
  • Simple integration with your existing web, loan management, and data platforms
  • Cached bureau data for cost savings
  • Automated Exceptions Handling

Instant Decisioning

  • Real-time decisioning, no matter how complex your decision logic might be
  • Scalable to process millions of real-time transactions with a single API call

Simple to Advanced Scoring Models

  • Linear, non-linear, and logistic scoring models
  • Integrated machine learning models including Neural Net, Gradient Boosting, Random Forest, and more
  • SAS, Python, and R plug-ins included

Multiple Decisioning Parameters

  • Approve, decline, or review decisions
  • Configure multiple loan amounts, APRs, and payment terms
  • Implement risk-based pricing

Compliance Adherence

  • Audit and compliance friendly
  • Transparency of underwriting decisions
  • Trace every change

Integrated with leading credit providers

  • TransUnion
  • Experian
  • Clarity
  • Microbilt
  • Decision Logic
  • LexisNexis
  • CoreLogic
  • Teletrack
  • Factor Trust
  • Usio
  • NeuroID
  • EmpInfo

Automating risk and fraud scoring on a flexible and scalable software platform.

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