Indecomm is partnering with FormFree to introduce the Business Health Check, a new way to qualify self-employed mortgage loan applicants


EDISON, New Jersey, November 10, 2020 / PRNewswire / – Indecomm Global Services, a leading provider of automation, outsourcing, and compliance services and technology to the US mortgage industry, has partnered with solvent fintech FormFree® to introduce Business Health Check, an automated analysis of the current business income and expenses of busy loan applicants helping mortgage lenders make more informed loan qualifications and underwriting decisions.

When doing credit checks on self-employed loan applicants, lenders need to check that borrowers’ incomes are stable. The Financial Impact of COVID-19 on Small Businesses and Households in The United States just underlines the importance of this assessment, which has traditionally been a manual and subjective process. The newly released Business Health Check solution gives mortgage lenders access to intuitive analysis, trends, conclusions and alerts about self-employed borrowers’ income. Calculated with IncomeGenius® from Indecomm and validated with business bank account information via AccountChek® from FormFree, Business Health Check offers mortgage lenders a unified, document-free approach that promotes consistency, reduces risk and provides important insights.

“Mortgage lenders must verify commercial bank account information for self-employed borrowers who submit unaudited income statements,” said Rajan Nair, CEO, Indecomm Global Services. “Our new Business Health Check, supported by IncomeGenius and FormFree’s AccountChek, gives lenders confidence in their underwriting decisions by adding an up-to-date view of the business cash flows of these borrowers.”

“In these uncertain times, both borrowers and lenders seek security. Borrowers want to know what they can really afford, and lenders want a rock-solid understanding of the true risk profile of any loan they give Brent Chandler.

IncomeGenius improves the lending process and reduces the time it takes to review your tax return by up to 50%. It simplifies the calculation of income through the use of advanced data extraction technology and provides digital transcripts to get a complete picture of a borrower’s income. The system can read and analyze the borrower’s income documents and calculate the qualifying income associated with the mortgage loan in a consistent manner. IncomeGenius warns users of possible warning signs to enable preventive interventions.

FormFree’s AccountChek provides real-time insights into borrowers’ wealth, income and employment to enable better credit decisions and promote financial inclusion. By using advanced intelligence and over 1,000 proprietary algorithms to analyze borrowers’ ATP, AccountChek helps lenders and borrowers skip the scavenger hunt and reduce the time to close by up to 20 days.

To learn more about Indecomm’s Business Health Check, visit the company’s website at

About Indecomm

Founded more than 25 years ago, Indecomm Global Services is a leading provider of business services and technology to the US mortgage industry. The company is based in New Jersey with over 1,200 employees worldwide.

Indecomm’s services and solutions support every phase of the mortgage life cycle with automation and software, outsourcing and project management as well as compliance and training. We focus primarily on technology solutions and work with large and medium-sized lenders, services, mortgage insurers and title companies to achieve one goal – to support their growth.

Our longevity in the ever-changing mortgage industry is our strength. We have worked diligently in the outsourcing and consulting area to develop tools and resources, drawing on extensive feedback from both customers and internal staff. Visit us at

About FormFree

FormFree is a market-leading fintech company whose revolutionary AccountChek and Passport products are building a more inclusive credit decision landscape by encouraging lenders to take a holistic view of borrower solvency (ATP). To date, thousands of US lenders and brokers have ordered millions of FormFree’s patented verification reports, equivalent to over $ 1 trillion in credit verifications. FormFree delights borrowers and lenders with a paperless experience, cuts creation times by up to 20 days, and offers automated analysis and standardized delivery to lenders and investors with a secure ReIssueKey ™. For more information, please visit or follow FormFree on LinkedIn.

Press contacts:

Krista K. Sabol
Marketing Director, Indecomm
[email protected]

Leslie W. Colley
DepthPR for FormFree
[email protected]
(404) 390-3830

SOURCE Indecomm Global Services

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