How Hola Credit scoring works

The minimum reliable monthly income the statement can support. Derived from consistent credit transactions, discounted for concentration risk and volatility. The income floor is not a prediction of future earnings. It is a conservative measure of what the statement evidence can demonstrate. When data is insufficient or extraction confidence is low, the income floor may be null rather than a potentially misleading number.

How regular the applicant's income pattern is from month to month. A freelancer who receives similar amounts on a predictable schedule scores higher than one with large, irregular deposits separated by long gaps. This is not a judgement about which pattern is better. It is an observation about the predictability of the cash flow, which is relevant to a lender assessing repayment capacity.

The degree of fluctuation in the applicant's cash flow over the statement period. High volatility means income and spending vary significantly from month to month, which may affect the ability to meet fixed repayment obligations. The volatility measure is presented as a numerical value, not a pass-or-fail threshold, because different lenders have different risk tolerances.

Whether the applicant's cash flow is improving, stable, declining, or uncertain over the statement period. Calculated from the direction of change in monthly income totals, adjusted for one-off transactions. A declining trend does not mean the applicant is uncreditworthy. It means the lender should consider whether the current cash flow is sustainable.

How dependent the applicant's income is on a single payer or source. An applicant who receives all income from one client is more concentrated than one who earns from multiple sources. High concentration does not inherently mean higher risk, but it means the loss of a single income source would have a disproportionate impact.

Specific signals the lender should review carefully: negative-balance occurrences, failed-payment indicators, loan-proceeds deposits, and unusually large or atypical transactions. Each flag carries a severity level: information, review, or material. Red flags are not a recommendation to decline. They are a recommendation to look more closely.

Whether the statement provides enough information to support a reliable assessment. A statement that covers only one month, has many uncertain or low-confidence transactions, or contains significant gaps may be rated as limited or needs_review rather than sufficient. When data sufficiency is low, assessment components may carry null values or wider confidence bounds.