Business Lending Insights suite.

Our Business Lending Decisioning Insight suite has been developed specifically for accurate assessment of business transaction data in relation to lending decisions.

This configuration covers multiple business revenue streams including POS credits, invoice revenues, tax refunds and grants. Relational and conditional insights are applied to all revenue sources. A range of pre-built conditional expense insights are also included covering behavioural based indicators across fixed costs, inventory expenses, payroll, superannuation and taxes.

Other liabilities are also identified and can be mapped against a range of other data sets and configured to the exact needs of the lenders decisioning criteria. Our Net Monthly Business Surplus Insight can identify cash flow peaks and troughs over long periods and indicate where additional lines of credit may be offered.

A sample of some of the pre built, out of the box Insights in our Business Lending Analytics Suite are outlined below

Sample Income Insights

  • Multiple verified revenue sources with full trend and pattern analysis

  • Dynamic Credits – Frequencies and Ratios.

  • Non regular revenue analysis

  • Fully configurable conditional mapping of all revenue streams

  • Stability, frequency and reliability of all credit sources

Sample Expense Insights

  • Full expense analysis including related transfers and de-duplication

  • Undisclosed liabilities and other accounts

  • Multi recurring expenditure groups with full pattern analysis

  • Time based Net Monthly Position / serviceability and affordability

  • Irregular ‘one off’ payments across all expense areas