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Bridge the data blind spot with real-time cashflow intelligence and market-validated categorisation accuracy
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Product Overview

Commercial lenders face a major blind spot when assessing small businesses. Relying on historic credit files or filed accounts means using outdated data, leading to slow manual reviews and high rejection rates. Our platform bridges this gap by letting firms securely share real-time transaction data. The advanced engine cleans and transforms raw bank feeds into highly accurate, structured commercial insights to automate risk decisions.

How It’s Used

Automated onboarding and originations
The solution integrates into your existing systems to drop seamlessly into every stage of the customer lifecycle. During origination, it automates onboarding and drives a 26% increase in thin-file scorecard effectiveness.
Portfolio management and recoveries
For ongoing portfolio management, it monitors continuous business health characteristics to alert you to sudden cashflow stress. In collections and recoveries, it automates income and expenditure capture, reducing support evaluation times by 70%
Limited trading & newly formed business underwriting
For asset-light SMEs with limited trading history, it eliminates the dependency on delayed filed accounts by evaluating real-time cashflow intelligence. By ingesting both personal and business accounts for sole traders, it turns previously "invisible" applicants into scorable, approved customers.

Key Stats

0 sec

to onboard applicants down from 30 mins.

0 %

accuracy categorising complex business transactions

0 %

reduction in collections phone call times

Approve limited trading firms
Evaluate live cashflow stability to approve newly formed businesses with ease.
Granular Spend Intelligence
Map complex transactions across 1,000+ business sub-categories to instantly isolate true operational expenses like payroll, tax, and supplier obligations with 97% accuracy.
Drastically cut processing costs
Replace manual bank statement reviews with an automated, instant data feed.
Accelerate decisioning speeds
Reduce customer journeys down to a 10-second automated digital process.
Optimise portfolio collections
Automate income and expenditure capture to build stable repayment plans.
Multi-Data 360° Decisioning
Uniquely overlay real-time Open Banking cashflow data on top of Equifax commercial CRA files and Companies House records for complete risk visibility

Benefits

Our engine uses a continuous feedback loop and proactive remediation. This is paired with human-in-the-loop auditing to maintain a 97% verified accuracy benchmark across all business transactions.

The solution extracts live transaction metrics from over 33 banks. It then blends these cashflow insights with traditional Equifax commercial bureau records and Companies House data under one roof.

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