Uflow
Uflow is a Chicago-based SaaS provider of a NoCode, serverless credit decision engine that automates credit evaluation for banks, fintechs, retailers, and lenders across Latin America via a drag-and-drop visual editor and pre-integrated credit bureau connections.
- Company typePrivate
- Founded2017
- HeadquartersChicago, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Uflow does
Uflow (uFlow LLC) is a Chicago-incorporated, LATAM-focused B2B SaaS provider of a NoCode credit decision engine. Founded in 2017 by Mariano Sokal and Santiago Etchegoyen, the company targets financial institutions — banks, fintechs, retailers, cooperatives, factoring companies, and lending startups — across at least six Latin American markets (Colombia, Mexico, Chile, Peru, Argentina, Panama). Its product enables non-technical business users to design, version, and execute credit evaluation policies via a drag-and-drop visual editor, with REST API integration into core banking, onboarding, and frontend systems.
The platform is built on a 100% serverless AWS Lambda architecture (with S3 and Aurora supporting services), migrated from on-premises/EC2 infrastructure in 2020. It ships with pre-integrated connections to roughly 30 credit bureaus and data providers (TransUnion, Datacrédito, Círculo de Crédito, Experian, Equifax, Sinacofi, Veraz, Nosis, Belvo, Truora, among others), policy versioning with full historical audit, real-time dashboards, GIS calculations, automated email/SMS triggers, and support for embedding externally-trained ML models into decision flows. Security posture is anchored by ISO/IEC 27001:2022 certification obtained in May 2024.
Revenue is generated via usage-based SaaS licensing tied to daily volume operations. The company sells through direct enterprise field sales across LATAM, reinforced by partnerships with credit bureaus, Open Finance providers, and fintech associations (Colombia Fintech, Fintech México, Asociación Fintech del Perú). The firm is privately held, founder-controlled, with no disclosed institutional funding, and reports 80 implementations and 40M+ transactions processed lifetime.
Uflow firmographics
Firmographics- Name
- Uflow
- Legal name
- uFlow LLC
- Website
- https://uflow.biz
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Uflow is a Chicago-based SaaS provider of a NoCode, serverless credit decision engine that automates credit evaluation for banks, fintechs, retailers, and lenders across Latin America via a drag-and-drop visual editor and pre-integrated credit bureau connections.
- Ownership category
- akta.pro rank
Uflow industry classification
Industry- Product category
- Credit Decisioning Software
- NAICS
- Software Publishers (5132), Activities Related to Credit Intermediation (5223)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Credit Decisioning Engines (Rules, Scorecards, ML) (FSAGAHAB)
- akta.pro secondary industries
- Credit & Underwriting Data Services (alt data feeds, affordability, bureau augmentation) (FSAGACAH), Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC), Model Development & Training Platforms (AutoML, Notebooks, Feature Stores) (HDAEANAB)
Keywords
Where Uflow is headquartered
LocationHeadquarters
- HQ city
- Chicago
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Uflow business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- SaaS Decision Engine Subscription: Usage-based licensing model for the decision engine service, based on the number of daily volume operations of the credit entity. The service adapts to the budgets of large companies and startups alike.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Usage-based pricing tailored to client volume |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels10 records
Uflow product offering
Product offeringCore offering
uFlow offers a 100% web, cloud-native, NoCode Decision Engine that automates credit evaluation and risk decisioning for financial institutions. The platform enables business teams to design, version, and execute credit policies through a drag-and-drop visual editor, integrates with more than 30 credit bureau and open finance data providers via REST API, and embeds Machine Learning models for predictive scoring, all delivered as a SaaS subscription on a usage-based pricing model.
Product overview
uFlow offers a single unified platform — the uFlow Decision Engine — supplemented by a REST API, a visual drag-and-drop decision editor, real-time dashboards, policy versioning, GIS calculations, automated actions (email/SMS), and client support resources (video tutorials and user manual). The core product is the 100% web, cloud-hosted, NoCode decision engine designed to automate credit evaluation for financial institutions. All named products and sub-products orbit this central engine, which also integrates ML models (Python/R), multiple credit bureau data sources, and third-party web services into a single automated workflow.
Differentiator
Problem solved
Functional benefit
Products and services
- uFlow Decision Engine A 100% web-based, cloud-hosted, NoCode SaaS decision engine that automates credit evaluation and risk assessment for financial institutions. Enables non-technical teams to design, execute, and version credit policies through a drag-and-drop visual interface without depending on IT, and is sold as a usage-based subscription.
- Multi-Source Data Connectivity Layer A bundled data integration capability delivering pre-built connectors to 30+ credit bureaus, open finance providers, identity verification vendors, and web services, supporting CSV flat files and caching to optimize latency and cost. Sold as part of the uFlow Decision Engine subscription.
- uFlow REST API A REST API allowing core banking, onboarding, and frontend systems to invoke uFlow credit evaluation policies in real time via JWT-authenticated calls under a fully serverless AWS Lambda architecture.
- Machine Learning Model Integration Capability to integrate and execute AI/ML models trained in Python or R within credit decision flows, enabling predictive scoring and advanced risk assessment without customers maintaining their own ML environments.
Quantifiable outcome
- Reduction in policy change time from months to hours
- +3 more outcomes
Companies that use Uflow
Customer profileNamed customers13 records
Segments7 records
Ideal customer profiles2 records
Uflow technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration25 records
AI capability4 records
Feature9 records
Uflow partnerships and signals
Strategic signalPartnerships
20 partnerships are on record, tiered core and strategic.
- AWS (Amazon Web Services)coreCloud infrastructure partner providing serverless computing via AWS Lambda, storage via S3, and database via Aurora. Guarantees scalability, availability, and compliance with financial sector regulations.
- TruoracoreStrategic alliance providing identity validation, automatic validations, background checks from 1000+ sources, WhatsApp engagement, and electronic signatures. Combined offering enhances credit decision automation with KYC/AML compliance.
- Círculo de Crédito de MéxicocoreMexico's major Credit Bureau providing reliable and updated credit data. Holds Partner Link API Integration certification for seamless data integration.
- MO Credit Management PlatformcoreStrategic alliance with Mo Technology offering a robust and agile platform designed to adapt to specific customer needs, ensuring operational excellence and total satisfaction.
- IntelligentialstrategicExperts in Fintech implementation solutions, financial entity design and transformation. Offers core banking, process automation, data models, digital onboarding, and custom solution design.
- SysdestrategicTechnology solutions for the financial industry. Collaboration aims to achieve superior levels of efficiency and success in financial operations through optimization and automation.
- DigiventuresstrategicDigital solutions partnership revolutionizing the credit industry with a more agile, secure, and efficient platform for credit decision-making.
- TransUnioncoreGlobal credit solutions leader strengthening commitment to high-quality credit evaluations and guaranteeing agile and informed decision-making.
- BelvostrategicOpen Finance technology company enabling more precise and personalized credit decisions with updated financial data. Facilitates automation of credit evaluation processes.
- MareiguastrategicFirst income and employment bureau with innovative solutions for the entire credit cycle including origination, maintenance, and collections. Income and employment validation partnership.
- TechnovationstrategicSpecialization in fintech solutions and digital credit combined with uFlow's decision engine technology and accessible advanced technology for credit evaluation automation.
- DatacréditocoreMajor Colombian credit bureau integrated for credit data access.
- EquifaxcoreGlobal credit bureau integrated for credit evaluation data in Chile and Peru markets.
- TransunioncoreGlobal credit bureau integrated for credit bureau services in Colombia.
- ExperiancoreGlobal credit bureau integrated for credit data services in Chile and Peru.
- SINACOFIstrategicChilean credit information provider integrated for local market data access.
- Círculo de CréditocoreMajor Mexican credit bureau integrated for credit data access.
- Buró de CréditocoreMexican credit bureau integrated for credit information services.
- SyncfystrategicOpen Bank provider for obtaining bank account data, cards, public services, wallets and payment platforms data in Mexico.
- SIISAstrategicArgentine technology company specializing in AI and decision automation systems for the financial market and credit bureau.
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
Uflow competitors and assessment
Company assessmentDirect peers
- Provenir: Provenir provides AI-powered risk analytics and credit decisioning platforms to fintechs and banks globally. Direct competitor to uFlow in the credit decisioning engine category, with overlapping no-code/ML-driven policy automation.
- Zest AI: Zest AI offers AI-driven credit underwriting software that helps lenders deploy ML models for fairer, faster decisions. Directly competes with uFlow's ML-in-decision-flows capability for fintechs and lenders.
- ACTICO: ACTICO provides a credit decisioning platform with rules engines and ML scoring for banks and financial services. Closely comparable to uFlow in the rules-based credit decisioning niche.
- DecisionRules.io: DecisionRules.io is a cloud-native, no-code rules engine for business users, used for pricing, credit, and risk decisions. Closely comparable to uFlow on the NoCode decisioning value proposition.
- Scienaptic AI: Scienaptic AI provides an AI-powered credit decisioning platform used by lenders and fintechs for underwriting automation. Overlaps with uFlow in ML-enabled credit decisioning for financial institutions.
Broad incumbents
- FICO: FICO is the dominant global credit scoring and decisioning platform, serving banks and lenders with scorecards, originations, and decision management software. Overlaps with uFlow at the credit decisioning layer, but operates as a much broader incumbent.
- Pegasystems (Pega): Pega provides enterprise decisioning, CRM, and workflow automation including Pega Customer Decision Hub used by banks for credit and policy decisions. Comparable to uFlow's decision engine in capability, though positioned as a broader enterprise platform.
- SAS Institute (Decisioning): SAS Decisioning and SAS Fraud Management are deployed at large banks for credit decision automation and risk analytics. Competes with uFlow at large enterprise banks, with a much broader analytics portfolio.
Others
- Belvo: Belvo is a LATAM Open Banking/Open Finance API platform that aggregates bank account data for lenders and fintechs. While uFlow is a strategic partner of Belvo rather than a competitor, Belvo is highly comparable as a LATAM credit-data infrastructure layer that uFlow integrates with.
- Truora: Truora is a LATAM identity verification and KYC/AML platform used in onboarding and credit workflows. Strategic partner of uFlow, comparable as a complementary data layer in the LATAM credit decisioning stack rather than a direct competitor.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Uflow social profiles
Digital presenceUflow compliance and trust
Trust signalCompliance2 records
Uflow financial estimates
Financial estimateRevenue estimate
Valuation estimate
Uflow leadership team
Management profileNumber of profiles
Profiles7 records
Uflow funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Uflow M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Uflow
What does Uflow do?
uFlow offers a 100% web, cloud-native, NoCode Decision Engine that automates credit evaluation and risk decisioning for financial institutions. The platform enables business teams to design, version, and execute credit policies through a drag-and-drop visual editor, integrates with more than 30 credit bureau and open finance data providers via REST API, and embeds Machine Learning models for predictive scoring, all delivered as a SaaS subscription on a usage-based pricing model.
Is Uflow a public or private company?
Uflow is a private company. It is classified as unknown and is currently operating.
When was Uflow founded?
Uflow was founded in 2017. It employs 11 to 50 people.
Where is Uflow based?
Uflow is headquartered in Chicago, United States, in the North America region.
How does Uflow make money?
One revenue line is on record: saaS Decision Engine Subscription.
Who are Uflow's main competitors?
Direct peers on record are Provenir, Zest AI, ACTICO, DecisionRules.io and Scienaptic AI. Broad incumbents are FICO, Pegasystems (Pega) and SAS Institute (Decisioning). Others are Belvo and Truora.
Does Uflow have an API?
Yes. REST API for executing credit evaluation policies in real time, with JWT-based authentication and Swagger/OpenAPI documentation. Enables integration with any system (core, onboarding, frontend) to consume decision policies. All API executions run via AWS Lambda serverless functions. Policy management (versioning, activation) is also exposed via API. Developer documentation is at api.co.uflow.biz/swagger/index.html.
What industry is Uflow in?
Uflow's product category is Credit Decisioning Software. Its primary akta.pro industry code is FSAGAHAB, Credit Decisioning Engines (Rules, Scorecards, ML), with a secondary code of FSAGACAH, Credit & Underwriting Data Services (alt data feeds, affordability, bureau augmentation). Its NAICS code is 5132 and its SIC code is 7370.