Solutions
Borrower verification software for non-bank lenders
What borrower verification covers in SMB lending
For non-bank MCA and equipment finance lenders, borrower verification typically encompasses: identity verification of the principal(s), business entity verification (secretary of state registration, EIN confirmation, good standing), bank account ownership verification, income and revenue verification against bank statements, and sanctions and watchlist screening.
Each verification step produces a result that must be captured in the case record — not just the final determination, but the source, the timestamp, and the specific output. A KYB check that passed is only useful evidence if you can show what it checked, when, and what it returned.
Integrating verification into the workflow
Hadrian's case workflow can trigger verification checks automatically at defined stages — for example, a KYB check fires when the case reaches the verification stage, and the result attaches to the evidence graph before the case can advance to underwriting. Reviewers see verification results in context alongside other case documents rather than logging into a separate system.
When a verification check returns a failure or a flag, Hadrian routes the case for human review rather than advancing it automatically. The failure reason is captured in the ledger so the reviewer has full context.
Verification records for regulatory and counterparty review
Lenders face verification-related questions from multiple directions: state regulators asking whether KYB was conducted, capital partners asking how identity was confirmed, and — in fraud cases — courts asking what the underwriter actually checked. The tamper-evident case record in Hadrian provides the contemporaneous documentation to answer those questions from the case file rather than from memory.
FAQ
Borrower Verification Software — common questions
Does Hadrian conduct identity and KYB verification directly?
Hadrian integrates with third-party identity and KYB verification providers via API. The verification is performed by the provider; the result attaches to the Hadrian case evidence graph automatically. Hadrian does not provide verification services independently.
How does Hadrian handle verification failures or inconclusive results?
Verification failures or inconclusive results route the case to a human review queue with the specific failure or flag recorded in the evidence graph. The reviewer determines how to proceed — requesting additional documentation, escalating for manual review, or declining the application — and their action is recorded in the audit ledger.
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