Cashflow Analytics

Cashflow Analytics

Forecast affordability with a real-time view of income, expenses, liabilities and more.

Unlock the power of cashflow intelligence

Enhanced data accuracy

Our human-in-the-loop models ensure we are able to clean and tag transactions with >90% accuracy.

Real-time analytics

Unlock instant analytics about your customers’ cashflows with our near-real time processing.

Automate manual underwriting

Visualize a borrower’s liabilities and cashflows for instant decisioning.

Analyze borrower affordability to automate risk decisions

Below are some examples of features you can use to better understand your customers’ affordability:

Detect and predict income

Detect income sources and predict the next paycheck deposit date to assess a user’s forecasted affordability.

Read more about the Recurring Income Endpoint.

Unify bank data with credit reports

Visualize liabilities across underlying data sources including credit reports, bank aggregators, and debt management APIs.

Read more about the Liabilities Endpoint.

Forecast overdrafts

Identify the amount a user needs to deposit to avoid an overdraft by surfacing upcoming bills.

Read more about the Deposit Amount Required Endpoint.

Detect rent

Surface all of a user’s rent payments with high accuracy. A user’s monthly rent gives insight into their true affordability.

Read more about the Rent Endpoint.

Explore Use Cases

Cash Advance

Score users for cash advances.

Installment Loans

Personalize plans for installment loans.

Personal Loans

Project affordability scenarios for personal loans.

Credit and Charge Cards

Set dynamic credit limits for credit and charge cards.

Power risk decisions with cashflow intelligence

3 product offerings


Reduce defaults and NSFs

Use our Scores trained on billions of labeled datapoints:

  • Cash Advance Scores
  • Small Dollar Loan Scores
  • Personal Loan Scores
  • NSF Scores

Attributes Store

Drive lift in risk models

    Power your proprietary risk models with cashflow signals including:
  • Income trends
  • Debt payment trends
  • NSF and balance trends
  • Changes in affordability

Cashflow Analytics

Predict user cashflow

Forecast user cashflows including:

  • Income detection
  • Bill detection
  • Liabilities
  • Rent