Nova Credit
Nova Credit is a credit infrastructure and analytics company that aggregates consumer-permissioned credit data from multiple sources to help lenders underwrite more consumers.
Last updated September 10, 2026
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Overview
Nova Credit describes itself as a credit infrastructure and analytics company. It aggregates consumer-permissioned credit data from multiple sources, including international credit bureaus, bank data aggregators, payroll systems, and automated document data, through a single platform. Its four products are Cash Atlas™, Income Navigator, Credit Passport®, and Eligibility Compass. The company states it was founded in 2016 and that its Credit Passport® was built as a cross-border credit reporting system enabling newcomers to use their international credit history when applying for U.S. financial services. It states that institutions including Chase, HSBC, and Scotiabank use the Credit Passport, and that Chase selected Cash Atlas™ and Credit Passport® in an announcement dated September 3, 2025.
History
Nova Credit states that it was founded in 2016 to build a better credit system, starting with serving newcomers to America. It built the Credit Passport®, described as the world's first and only cross-border credit reporting system, enabling newcomers to use their international credit history when applying for U.S. financial services. The company states that leading institutions like Chase, HSBC, and Scotiabank use the Credit Passport to serve newcomers from around the world. It then broadened its offering into the Nova Platform, combining new data sources for new consumer segments. Through Cash Atlas™, its cash flow underwriting platform, lenders gain real-time visibility into consumers' financial health through bank transaction data. With Income Navigator™, it automated income and employment verification. Through Eligibility Compass™, it brought the same data-driven approach to affordable housing access. On September 3, 2025, Nova Credit announced that Chase selected Cash Atlas™ to power its cash flow underwriting capabilities and will also use Credit Passport® to access and decision with international credit data.
Products and positioning
Credit infrastructure and analytics company aggregating consumer-permissioned credit data to help lenders underwrite more consumers.
Cash Atlas™
Cash flow underwriting platform providing FCRA-compliant cash flow analytics that capture consumers' actual financial health through trended data on income, expenses, and assets.
Income Navigator
Automates income and employment verification, reducing friction while improving accuracy.
Credit Passport®
Cross-border credit reporting system enabling newcomers to use their international credit history when applying for U.S. financial services.
Eligibility Compass
Brings a data-driven approach to affordable housing access.
Recent events
Nova Credit raises $50 million in Series B funding[5]
Reported:
Nova Credit announced that it raised $50 million in equity financing in a Series B round led by Kleiner Perkins, with participation from Canapi Ventures and existing investors. The company said the financing would be used to expand its global reach and mission to support newcomers.
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