How It Works

SharedLending profile

SharedLending's CORE Profile is a unique consumer driven trust score. By using consumer behavior data and our proprietary algorithm, SharedLending provides a trust score that helps businesses and consumers make smarter financial decisions.

CORE survey question

By answering a 37 question survey, consumers develop their unique trust score using SharedLending’s proprietary Credit Optimizer and Risk Evaluation (CORE) algorithm.

The CORE algorithm is a "win-win" for consumers and businesses: to inform people of their strengths while informing businesses about their reliability to make payments on time.

  • Businesses

  • Consumers

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Sign Up

Creating an account is free and easy. Learn more about using the CORE algorithm to optimize your financial savvy and borrowing power. Increase your consumer finance confidence. Click here to begin.

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Create a CORE Profile

Tell your story through your CORE Score. Answer 37 questions and see how well you score in terms of Productivity, Resilience, Finance, Health and Education. Are there areas you can improve? These are your zones of opportunity. CORE helps you maximize your potential in each of these zones. Yes, our focus is on the story that your consumer behavior data tells us. However, you have control over your CORE Profile based on the answers you provide. So, Be Honest!

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Optimize your CORE Profile

Check back in to update your responses. Have you significantly changed your daily habits? See how this improves your CORE Score and Profile.

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Sign Up

Creating an account is free and easy. Learn how the CORE Profile defines Productivity, Resilience, Finance, Health and Education for users. Learn how Borrower Complexity indicates confidence level in a consumer's CORE Profile, how Borrower Potential helps you evaluate payment reliability and how SharedLending determines Risk Evaluation. Click here to begin.

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CORE Analytics

Traditional credit scoring ignores consumer behavior. Use the CORE Profile to gain additional insight into your customers. SharedLending's algorithm prioritizes specific human behaviors to make these data a direct input to determining a borrower’s potential to repay. Conduct your own analytics on our SharedLending database. Discover correlations between Productivity and borrower reliability.

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SharedLending Polling

Ask polling questions of the user base. For example, consider a random CORE Profile and ask SharedLending’s users the following question: If a CORE user is “High" in Resilience but “Low" in Finance, would you lend that user $1,000 at 10% interest for 6 months?” Or, consider this one: If a CORE user is “Low Productivity” and “High Finance,” would you lend that user $5,000 at 10% interest for 12 months?