Case Study: Stilt boosts loan disbursals 20% and cuts application time to 3 minutes with Plaid

Financial services for all By underwriting loans with cash-flow data, Stilt is expanding financial access

Stilt, a lender serving international students, visa holders, and other non‑US citizens, needed a way to assess creditworthiness for borrowers who often lack traditional credit scores. To securely access consumer‑permissioned cash‑flow and account data for underwriting, Stilt turned to Plaid for bank account connectivity and data retrieval.

By integrating Plaid’s account linking and consumer‑permissioned cash‑flow data, Stilt automated identity verification and underwriting, cutting application time from 3–4 days to about 3 minutes, increasing overall disbursals by 20%, and making applicants who connect accounts 2.3× more likely to complete their applications; known fraud cases also dropped dramatically. Plaid’s solution enabled faster, more accurate lending decisions and a better customer experience, helping Stilt scale credit access to thousands of underserved borrowers.

Stilt

Rohit Mittal

Co-founder