About FormFree

FormFree is reshaping the future of lending by enabling a more accurate and inclusive assessment of borrowers’ financial health. Through its cutting-edge technology, consumers can share real-time asset, income, employment, and rent payment data directly with lenders—eliminating manual paperwork and speeding up the loan process. By combining traditional credit metrics with modern financial data and cash flow insights, FormFree helps lenders reduce fraud, improve operational efficiency, and reach underserved markets. Its solutions empower consumers with greater control over their financial identity and enable lenders to make smarter, more inclusive credit decisions.

Key Products & Services:

• Passport®
  A digital financial passport that aggregates a consumer’s financial data—including cash flow, credit score, and residual income—offering lenders a complete and current picture of their ability to pay.

• RIKI® (Residual Income Knowledge Index)
  A groundbreaking creditworthiness measure that looks beyond credit scores to evaluate a borrower's true financial strength based on residual income.

• FFX® (FormFree Exchange)
  A lender-borrower marketplace designed to streamline the lending process by connecting consumers with loan options tailored to their financial profile.

• Real-Time Financial Data Sharing
  Secure, permission-based data connections to thousands of financial institutions to verify income, employment, and assets directly at the source.

• Advanced Data Security
  Built with privacy and compliance at its core, FormFree does not retain personal data and ensures all data transmissions are encrypted and secure.

• Inclusive Lending Enablement
  Designed to expand access to credit by giving a voice to consumers with thin or no credit files, helping lenders better serve a broader audience.

For more information, please visit: www.formfree.com.

Contact @ FormFree

Mack Steed, Director of Sales | Email: msteed@formfree.com