ICAT® (Instant Credit Analysis Tool) is a proprietary credit engine that was designed to quickly decision loans based on credit and underwriting policies.

Borrowers and Co-Borrowers enter basic personal and loan information via the Phone or the Internet applications.

UTrust Solutions system accesses the credit bureau (i.e. Equifax, Trans Union, Experian), pulls a credit bureau report, and ICAT® instantly applies the financial institution's credit and underwriting policies.

Within minutes, a personalized response is delivered to the customer (while on-line or on the phone) and the accessed information is sent to the institution (via e-mail or fax).

Please contact us for more information.