---
description: Review of uFlow Software: system overview, features, price and cost information. Get free demos and compare to similar programs on Software Advice New Zealand.
image: https://gdm-localsites-assets-gfprod.imgix.net/images/software_advice/og_logo-55146305bbe7b450bea05c18e9be9c9a.png
title: uFlow | Reviews, Pricing & Demos - SoftwareAdvice NZ
---

Breadcrumb: [Home](/) > [Loan Origination Software](/directory/4557/loan-origination/software) > [uFlow](/software/402186/uflow)

# uFlow

Canonical: https://www.softwareadvice.co.nz/software/402186/uflow

> uFlow is a no-code credit decision engine that lets risk teams at banks, fintechs, retailers, factoring companies and microfinance institutions author, test and deploy credit policies without writing code and without waiting on an engineering sprint.

The platform targets a specific bottleneck: credit policy buried inside core banking code, where a rule change takes months and where no one can later explain to an auditor why a given application was declined. With uFlow, a credit analyst builds the decision flow, simulates it against historical data, and publishes it to production, with every version governed and every decision traceable.

Governance and traceability. Roles, approvals and change control sit on top of every policy. Each version is stored with full history, and each decision records its inputs, the rules applied and the reasons for the outcome, so credit committees, auditors and customer appeals get a complete, explainable record.

Visual policy editor. Build policies as decision flows or decision trees in a 100% web drag-and-drop interface. Branch into multiple paths from a single node and extract many variables from a JSON or XML payload at once. Save any group of nodes as a reusable template, private or shared across the team.

Built-in AI assistant. An AI assistant works alongside the analyst inside the policy editor, helping build and check rule logic from plain-language guidance instead of hand-writing every condition.

Simulation and champion/challenger. Test every change against historical data before publishing, then roll it out to a small slice of the portfolio as a challenger against the running champion, so approval-rate and risk impact are measured before full exposure.

Document AI. Documents submitted with an application are read and turned into variables the policy can use, so credit and risk logic can act on their content instead of waiting for someone to key it in.

Data connectivity. 30+ integrated data providers, including 25+ certified credit bureaus, plus your own REST or SOAP web services and flat files, connected from a single point. Built-in caching means the same lookup is not paid for twice.

Machine learning without infrastructure. Deploy Python and R models inside decision flows without maintaining separate ML environments, and monitor them in production with performance metrics and drift alerts.

Execution and monitoring. Resolve applications in milliseconds over a REST API, in real time, asynchronously or in batch, on a 100% serverless platform. Per-policy dashboards show transaction volume, approval and rejection rates and top rejection reasons in real time.

Common use cases include credit origination, scoring, credit limit assignment, factoring, business credit assessment, point-of-sale lending, BNPL evaluation, fraud routing across approve, reject and manual-review lanes, and alternative-data underwriting.

uFlow is built for regulated environments and is certified to ISO/IEC 27001:2022, running serverless on AWS with data encryption, two-factor authentication and geographically distributed backups.

The platform has processed over 300 million transactions across 80+ implementations in Latin America, with an NPS of 66. Clients include Ualá Bank, Naranja X, Lulo Bank, Banco Serfinanza, RappiCard, RappiPay, albo, HABI and Colsubsidio.
> 
> Verdict: Rated **5.0/5** by 4 users. Top-rated for **Likelihood to recommend**.

-----

## Quick Stats & Ratings

| Metric | Rating | Detail |
| **Overall** | **5.0/5** | 4 Reviews |
| Ease of Use | 4.8/5 | Based on overall reviews |
| Customer Support | 5.0/5 | Based on overall reviews |
| Value for Money | 5.0/5 | Based on overall reviews |
| Features | 5.0/5 | Based on overall reviews |
| Recommendation percentage | 80% | (8/10 Likelihood to recommend) |

## About the vendor

- **Company**: uFlow

## Commercial Context

- **Starting Price**: US$300.00
- **Pricing model**: Usage Based
- **Target Audience**: 2–10, 11–50, 51–200, 201–500, 501–1,000, 1,001–5,000, 5,001–10,000, 10,000+
- **Deployment & Platforms**: Cloud, SaaS, Web-based
- **Supported Languages**: English, Spanish
- **Available Countries**: Argentina, Bolivia, Brazil, Chile, Colombia, Costa Rica, Dominica, Dominican Republic, Ecuador, El Salvador, Guatemala, Honduras, Mexico, Nicaragua, Panama, Paraguay, Peru, United States, Uruguay, Venezuela

## Features

- "What If" Scenarios
- AI/Machine Learning
- API
- Activity Dashboard
- Alerts/Notifications
- Approval Process Control
- Automated Decisioning/Underwriting
- Client Management
- Configurable Workflow
- Customer Management
- Customisable Dashboard
- Customisable Reports
- Customisable Templates
- Dashboard
- Data Analysis Tools
- Data Import/Export
- Data Source Connectors
- Data Visualisation
- Decision Tree
- Drag & Drop

## Integrations (8 total)

- Amazon S3
- Bureau
- Equifax
- Experian Address Verification
- Microsoft SQL Server
- Nexis Newsdesk
- TransUnion Collections Management
- Truora

## Support Options

- Email/Help Desk
- Knowledge Base

## Category

- [Loan Origination Software](https://www.softwareadvice.co.nz/directory/4557/loan-origination/software)

## Related Categories

- [Loan Origination Software](https://www.softwareadvice.co.nz/directory/4557/loan-origination/software)
- [Decision Support Software](https://www.softwareadvice.co.nz/directory/4202/decision-support/software)

## Alternatives

1. [Minitab](https://www.softwareadvice.co.nz/software/81798/minitab) — 4.5/5 (391 reviews)
2. [SAP BusinessObjects Business Intelligence](https://www.softwareadvice.co.nz/software/2013/sap-businessobjects-business-intelligence) — 4.3/5 (244 reviews)
3. [XLSTAT](https://www.softwareadvice.co.nz/software/215278/xlstat) — 4.7/5 (398 reviews)
4. [Yonyx](https://www.softwareadvice.co.nz/software/93908/yonyx) — 4.7/5 (258 reviews)
5. [Qlik Sense](https://www.softwareadvice.co.nz/software/5845/qlik-sense) — 4.5/5 (261 reviews)

## Reviews

### "Best underwriting engine" — 5.0/5

> **Sergio** | *4 November 2022* | Financial Services | Recommendation rating: 10.0/10
> 
> **Pros**: We can use on line service like using Machine Learning models from python \[sklearn framework\]. Its user friendly and we can integrate many information sources like alternative data to make a choice about approve or reject a loan application.
> 
> **Cons**: Not at all for now. However we should be so careful about implement DevOps best practices.

-----

### "Supportive Team - Always Available\!" — 5.0/5

> **Daniela** | *11 November 2022* | Financial Services | Recommendation rating: 10.0/10
> 
> **Pros**: I'm on the product team, on the back-end side, so I don't use uFlow personally - but was involved in the technical team who did the integration. And the support we received from the uFlow team was great -- from the integration to testing in development environments, to launching in production for real-time processing, they were always available and helpful.
> 
> **Cons**: N/A; I don't personally use this software - I was involved in the implementation on the back-side.
> 
> My experience, on the product and back-end side with uFlow was great. Their tech and product team was always available to help, and the implementation is really simple. They are also open to developing and implementing new features - if it will improve the functionality of the decision-engine.

-----

### "UFlow excellent for radio ads production" — 5.0/5

> **Anonymous User** | *12 November 2025* | Biotechnology | Recommendation rating: 3.0/10
> 
> **Pros**: Created radio ads quickly from my brief but also allowed me frequent edits and the free tier lasted us a long time before we needed to upgrade
> 
> **Cons**: I had an issue initially with sharing the output but their help team was good and they responded the next day
> 
> I will continue to use it it's significantly cheaper and faster for us than our old way of going via an agency plus the quality isn't noticeably lower

-----

### "Excelente Software... Atención al cliente inigualable 10/10" — 5.0/5

> **Roberto** | *3 February 2023* | Financial Services | Recommendation rating: 10.0/10
> 
> **Pros**: Practicidad al momento de implementar políticas y ajustes o cambios. Intuitivo y de fácil aprendizaje
> 
> **Cons**: Al momento no tengo comentarios, la herramienta ha funcionado adecuadamente.
> 
> Excelente software, excelente atención, en todo momento el equipo UFlow estuvo de la mano con el equipo para la migración e implementación de la política en el sistema

## Links

- [View on SoftwareAdvice](https://www.softwareadvice.co.nz/software/402186/uflow)

## This page is available in the following languages

| Locale | URL |
| en | <https://www.softwareadvice.com/product/402186-uFlow/> |
| en-AU | <https://www.softwareadvice.com.au/software/402186/uflow> |
| en-GB | <https://www.softwareadvice.co.uk/software/402186/uflow> |
| en-IE | <https://www.softwareadvice.ie/software/402186/uflow> |
| en-NZ | <https://www.softwareadvice.co.nz/software/402186/uflow> |

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