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Harvest Platform has launched a new tool to help lenders make better credit decisions—and, in the process, help consumers gain access to much-needed credit.

Its PRO Index moves beyond just the decade-old credit score as a barometer of credit-worthiness. Rather, it also takes into account a user’s debt as a percentage of income and expenses as a percentage of income. It a nutshell, it assesses a user’s ability to keep on top of debt, as well as their overall expense obligations and spending habits.

This broader metric is especially important amid the pandemic, which has wreaked havoc on the finances of many consumers, Nami Baral, founder and chief executive, tells Forbes in an interview.

Consider a Finicity survey of 2,000 U.S. respondents in June that noted 55% of respondents have lost their jobs or had their income impacted because of Covid-19.

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