"FormFree Holdings is a SaaS company that specializes in helping financial institutions assess customers’ ability to pay. It collects, certifies, and analyze financial data to help FIs save time and make better lending decisions. Its flagship product AccountChek™ is a fully automated verification of deposit (VOD) and asset solution. FormFree helps lenders understand credit risk like never before with its patented Passport® product, which opens doors to more inclusive credit decisioning by revealing each customer’s true ability to pay (ATP®), and patent-pending Residual Knowledge Income Index™ (RIKI™), an innovative method for evaluating consumer creditworthiness based on residual income analysis. A HousingWire TECH100™ company, FormFree is based in Athens, Georgia."