Analyze cash-flow patterns from transaction data to automate credit decisions and detect stress early. Reduce underwriting turnaround by 50%.
Join Waiting listExtracts and normalizes cash flows from 6-24 months of bank transaction history
Flow Modeling - Calculates normalized operating cash flows adjusting for seasonal and one-time items
Tracks key financial covenants like debt-to-cash-flow ratios and ensures compliance
Identifies unusual transaction patterns indicating operational stress or fraud risk
Compares SME cash flows and metrics against industry peers to assess competitive position
Monitors for cash-flow deterioration, unusual transfers or covenant violations indicating trouble.
Stress detection catches 60-70% of SME deterioration before default - 65%
Eliminate document requests and manual underwriting reducing TAT to 2-3 days - 60%
Objective cash-flow analysis eliminates subjective judgment improving credit decisions - Consistent
Turn operational complexity into measurable performance gains.
