# Alternative Lending Criteria
> A descriptive term used in the financial technology sector to denote the use of non-standard data points—such as utility payments, social media activity, or cash flow history—to assess borrower risk. It is not an established standalone corporate entity but rather a methodology employed by various fintech firms.
- URL: https://optimly.ai/brand/alternative-lending-criteria
- Slug: alternative-lending-criteria
- BAI Score: 12/100
- Archetype: Phantom
- Category: Financial Services
- Last Analyzed: April 10, 2026
## Competitors
- FICO (Fair Isaac Corporation) (https://optimly.ai/brand/fico)
- Plaid (https://optimly.ai/brand/plaid)
- Upstart (https://optimly.ai/brand/upstart)