Built for the self-employed & informal economy

The financial documents the system asks for — generated from your real income

Pay stubs, P&L statements, income letters, and more. CrediFlow aggregates your earnings across every channel, builds the documents you need, and gives landlords and lenders a one-click way to verify they're real.

Start generating documents See how verification works

The problems we solve

If you don't have a traditional employer, the financial system makes you invisible. CrediFlow fixes that without faking anything.

No W-2, no proof of income

Gig workers, contractors, and cash earners get turned away by landlords and lenders who only accept traditional pay stubs.

Income scattered everywhere

Cash App, Zelle, Venmo, direct deposits, invoices — no single place that shows what you actually earn.

No real books for the business

Without a P&L, you can't price jobs, file cleanly, or qualify for credit and SBA-style loans.

Documents nobody trusts

DIY pay stubs and screenshots get rejected as 'paper mill' material. There's no way for a third party to verify them.

Built for people the system overlooks

CrediFlow is for real workers with real income — not just W-2 employees. If you earn it, we help you prove it.

Outdoor & market vendors

Food carts, flea-market sellers, farmers-market regulars — turn daily cash and Cash App sales into a real income record.

Salon & beauty pros

Stylists, braiders, nail techs, barbers booth-renting or going independent — show landlords and lenders the income you actually earn.

Rideshare, delivery & gig workers

Uber, Lyft, DoorDash, Instacart, Amazon Flex — aggregate every platform into one set of trusted documents.

Anyone applying for housing or a loan

Generate the pay stubs, P&L, and income letter your landlord or lender is asking for — without faking anything.

Documents you can generate

Everything you need for housing, lending, and running your business as a legitimate operator — not just pay stubs.

Pay stubs

Signed PDF

Period-based stubs with gross, estimated tax, and net — every amount tied to real transactions.

Profit & Loss statements

Signed PDF

Monthly, quarterly, or yearly P&L built from categorized income and expenses.

Income summary letters

Signed PDF

Plain-language proof of income for landlords, with verifiable totals and date ranges.

Invoices & receipts

Coming soon

Send branded invoices, log payments, and keep a clean record for taxes.

Self-employment letter

Signed PDF

Standardized self-employment verification with business name, occupation, and tenure.

Annual earnings statement

Signed PDF

Year-end summary suitable for tax prep and loan applications.

How it works

Aggregate your income

Link bank accounts or import transactions from Cash App, Zelle, Venmo, direct deposits, and invoices. We tag deposits as income and categorize expenses.

Generate real documents

Build pay stubs, P&L statements, income letters, and self-employment verification — every figure tied back to source transactions.

Share a verifier link

Send landlords or lenders a read-only verification page that confirms authenticity, with audit logs and revocable access — no raw bank data exposed.

A trusted source — not a paper mill

Every document is anchored to your real transaction history. That's what makes a third party willing to accept it.

Income on every document must match aggregated transactions — no free-form earnings entry.
PDFs are cryptographically signed and immutable; amounts and hashes can't be edited after generation.
Verifier links are revocable, view-audited, and can be set to expire.
Read-only verification portal lives on its own route and never exposes raw bank data.