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Pricing

Straightforward pricing for lenders who want to see the math.

Decisions are the unit of measure. Volume scales with your origination cadence — not with the number of bureau pulls, re-decisioning calls, or shadow-mode observations per application. No per-applicant surcharges, no implementation professional services billed separately, no minimum annual commitment on Starter or Professional.

Starter

$1,200/mo

Billed monthly, no annual commitment required

Up to 2,000 decisions/month

  • Decision Engine (rules + FICO augmentation)
  • Rules Studio — up to 10 active policies
  • Adverse action auto-generation (ECOA codes)
  • Basic audit log — 90-day retention
  • REST API + batch CSV ingestion
  • Email support

Credit unions and community lenders with monthly origination volumes under 2,000.

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Professional

$3,800/mo

Billed monthly, no annual commitment required

Up to 10,000 decisions/month

  • Everything in Starter
  • Shadow Mode challenger model slot (1 model)
  • Fair Lending Diagnostics — monthly disparity report
  • Unlimited policies in Rules Studio
  • Audit log — 24-month retention
  • SSO/SAML, MFA, RBAC
  • Slack + priority email support
  • Quarterly review call with risk team

Designed for mid-market consumer lenders: online installment lenders running 1,000–8,000 originations/month, regional banks with $100M–$500M consumer books, and auto-finance shops needing collateral-aware policy rules alongside ECOA adverse action.

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Enterprise

Contact for pricing

Custom deployment and volume agreement

10,000+ decisions/month

  • Everything in Professional
  • Multiple shadow model slots
  • VPC-hosted or on-premise deployment
  • Custom data retention and deletion SLAs
  • Dedicated integration engineering
  • SR 11-7 model documentation package
  • Named CSM + SLA uptime commitment

Banks and larger lenders with compliance teams that need custom deployment and model governance docs.

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FAQ

Common questions about pricing.

A decision is a single application record that passes through the Prism Layer decision engine — whether the output is approve, decline, or refer-to-review. Bureau pulls, shadow-mode evaluations of the same application, and re-decisioning triggered by an appeal count as separate decisions if they generate a new engine output. API health checks, test records flagged as test mode, and configuration validation calls do not count toward your monthly volume.
Shadow Mode is available starting at the Professional tier. The typical evaluation path is: 30-day scoped evaluation on historical tape (your application data, no production traffic), then shadow deployment running read-only alongside your current production engine. Most lenders run shadow for 60–90 days before any production switch. You stay on your existing decisioning system for all live originations during this period — Prism Layer is strictly read-only until you choose to flip.
There is no annual contract requirement for Starter or Professional. Monthly billing, cancel anytime. Enterprise arrangements typically involve an annual agreement due to the custom integration and deployment work involved — we discuss that structure during the sales process. The 30-day evaluation period before any tier commitment is not billed — it runs on a project-based engagement fee that we credit toward your first month if you proceed.
Above 10,000 decisions per month, you move into Enterprise territory with a custom volume agreement. Volume above your tier threshold in a given month is billed at an overage rate ($0.32 per decision for Professional overages) until you migrate to an appropriate Enterprise tier. We notify you when you approach your tier cap so there are no surprise charges.
The 30-day evaluation runs on your historical application tape — typically 3–6 months of origination data. We ingest your data, configure a baseline decision policy based on your existing credit criteria, run the engine against your tape, and deliver: (a) a decision output report showing how Prism Layer would have decided each application, (b) a fair lending disparity summary comparing your historical outcomes to Prism Layer outputs, and (c) a model risk documentation stub suitable for presenting to your MRM committee. This is done in a sandboxed environment using your data — no production traffic, no live applicants.
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Not sure which tier fits your portfolio?

Tell us your monthly origination volume and loan types. We'll tell you where you fit and whether the evaluation makes sense before you commit to anything.

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