ACUFI— Modern
Neo Bank for your Business
The Neo bank built for high-risk, high-growth businesses. We're not afraid of industries that others call "unbankable".
From short-term lending to peptides and cannabis to crypto, AcuFi provides modern financial services designed for your business.
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Banking That Understands Your Business
AcuFi was born out of necessity, to serve industries the banking world refused to touch.
Traditional banks don’t understand short-term lending.
They turn them away, but we don’t.
1-2 Day Underwriting
Fast account approval
Industry Expertise
Specialized support for high-
risk industries with fraud
prevention tools
Growth Tools
Predictive borrower scoring
and loan stacking
detection
Banking That Helps Grow
Your Business
Technology that traditional banks don't have.
AcuCheck
Cash Flow Is The New Credit Score
Make smarter decisions using real-time banking data.
AcuCheck flips the script on traditional credit reports by delivering live insights straight from your applicant's bank account.
Instead of relying on stale scores and outdated assumptions, AcuCheck helps you see what matters most: the borrower's Ability to Pay.
Why AcuCheck Outperforms Credit Bureaus?
Real-Time Cash Flow Analysis
Know Exactly How Much A Borrower Earns, Spends, And Saves.
Instant Affordability Checks
Quickly Determine If The Borrower Can Afford A New Loan Payment.
Machine Learning
Enhanced Technology That Continuously Learns For Better Decision-Making.
Lower Defaults, Better Risk Models
Identify Cash Shortfalls And Income Instability Before A Loan Becomes A Charge-Off.
Continuous Monitoring
Get Warned Before A Borrower Defaults.
Built For Better Lending
Loan Stacking Detection- Automated Income Verification
- Enhanced Ability-To-Pay Calculations
- Support For Online & Storefront Lending
- Fast, Frictionless Borrower Experience
Know Your Customer
Bank Account Ownership
Employment Verification
Income Verification
Income Stability
Ability To PayBank Account History
Up to 2 Years of Bank Account History
NSF FrequencyAcuView
Real-Time Loan Intelligence
AcuView is the world’s first and only real-time loan intelligence network, built exclusively for lenders who can’t afford to guess.
While others rely on outdated data, AcuView gives you instant visibility into borrower activity across an expanding network of storefront and online lenders. You'll know if an applicant is stacking loans before you fund, not after they default.
The Lender Network Effect
The More Lenders Join, The Stronger The System Becomes
Protected By Patented Technology, Which Means Your Customer List Stays Safe
Tap Into 1M+ Borrower Data Points And Growing Daily
Real-Time Borrower Surveillance
Instantly Detect If A Borrower Is Applying At Multiple Lenders
See Loan Activities Across Online And Storefront Lenders
Receive Alerts Before Final Approval
Fraud Detection At Its Finest
Cross-Check Identity, Income, And Banking Details
Flag Suspicious Borrowing Patterns And Data Mismatches In Real Time
Reveal Hidden Risks That Traditional Reports Miss.
37%
And Growing Reduction In Stacking-Related Defaults
99%
Faster Customer Verification
< 1 sec
Insights Delivery Time
AcuPay
Modern Payment Processing… Built for High-Risk Businesses
AcuPay delivers fast, flexible, and compliant payment solutions for industries that traditional processors avoid.
Whether you're collecting payments, loan payments, or subscriptions, AcuPay helps you get paid, stay compliant, and scale with confidence.
ACH Processing
- Same-Day And Next-Day ACH Settlements
- Ideal For Recurring Payments And Loan Repayments
- Lower Fees Than Card Processing
- NACHA-Compliant Risk Monitoring
Credit & Debit Card Processing
- Accept All Major Card Brands
- Built-In Fraud Protection And
Chargeback Mitigation - Fast, Secure Digital Checkout
Experiences - Supports High Volume And
High-Ticket Transactions
Why AcuPay Works For You
Built for high-risk industries like short-term lending, cannabis, and nutraceuticals
Transparent pricing with no hidden fees
Developer-friendly APIs and a full reporting dashboard
Backed by AcuFi’s bank-grade security and compliance infrastructure
Membership & Subscription Billing
Automate Monthly Recurring Payments
Flexible Billing Intervals, Easy Plan Management
Real-Time Insights And Revenue TrackingVeraFi.me
Know Who's Behind the Screen
VeraFi offers AI-powered, real-time onboarding with advanced fraud protection, designed specifically for high-risk industries.
Unlike traditional providers, VeraFi goes beyond simple data extraction. It enables secure, human authentication through document scanning, facial recognition, liveness detection, and optional speech verification.
Key Features
(passport + driver’s license)
Benefit
Faster onboarding (73% Time Reduction)
Reduced Fraud Risk
10-SecondVideo Verification
Ready To Use SDKWho Is VeraFi Built For?
Lenders
Fintech Startups
Any Business That Needs Advanced Customer Verification
AcuFi Bank Verification
Verify Bank Account Ownership In Seconds
Prevent fraud and funding errors and approve with confidence.
Acufi’s Bank Verification instantly confirms whether a bank account truly belongs to your applicant, before you disburse a single dollar.
What You Get
Real-Time Account Ownership Match
Identity And Bank Data Cross-Verification
Coverage Across 12,000+ U.S. BanksProven Impact
73% Faster Onboarding
15x Reduction In Fraud
Confidence In Every ApprovalA platform That Grows with You
See how AcuFi compares with traditional banking solutions.
1 - 3 Days
2 - 6 Weeks
1 - 3 DaysReal-Time Cash Flow analysis + Loan StackingShort-term lending, Peptides, Cannabis, Crypto, etc.Behavioral + Warnings100% Digital
2 - 6 WeeksOutdated Reports (30 - 60 days)DeclinedMinimalPaper-heavy, slowIndustries We Serve
If You've Been Called “Hard to Bank”, You're in the Right Place.
Short Term Lending
Solutions for payday, installment and title lenders.
Title Lending
Specialized banking for auto title loan providers.
CBD & Cannabis
Financial services for the legal cannabis industry.
Credit Repair
Banking solutions for credit repair services.
Nutraceuticals & Supplements
Payment processing for supplement companies.
Debt Relief
Financial services for debt settlement companies.
Affiliate & Lead Generation Marketing
High-risk payment processing for marketers.
What People Say About Us
Lenders Say It's Best
Adara G
Regional ManagerThree banks rejected us. AcuFi approved us in 48 hours.
Isla B
SVP Fraud DirectorAcuFi gave us real banking tools that work for high-risk businesses.
Apollo C
Director of Corporate Accounting and FinanceAcuFi isn’t just a bank—it’s the partner we wish we had years ago.
Founding Member
Benefits
Join our exclusive founding member program and get priority access to all AcuFi features.
Flexible Integration Options
Multiple API endpoints, webhooks, and integration methods to fit seamlessly into your existing tech stack. Our developer-friendly documentation makes implementation straightforward.
Easy 3-Step Setup
Get started in minutes, not months. Our streamlined onboarding process gets you from sign up to first transaction in three simple steps with dedicated support throughout.
STEP 1
ACCOUNT CREATION & VERIFICATION
STEP 2
API INTEGRATION & TESTING
STEP 3
GO LIVE & START GROWING
Frequently Asked Questions
