Instant SME lending decisions for banks.
AI-powered cash-flow decisioning that turns Open Banking data into actionable credit intelligence, built to operate at scale.
Open Banking unlocks the data.
FLOW unlocks the insight.
How FLOW works
FLOW turns a business’s bank transactions into a lending decision in four steps.
Connect Open Banking data
The business shares its bank transaction history with the bank through Open Banking.
Categorise every transaction
FLOW sorts each transaction into a category, such as revenue, cost of goods sold or staff costs.
Turn transactions into credit intelligence
FLOW turns the categorised transactions into actionable credit intelligence: a clear view of the business’s cash flow that the bank can lend on.
Decide in minutes
The bank receives a lending decision, ready in minutes.
What banks gain
- Instant decisions FLOW gives instant lending decisions for micro and SME businesses.
- Real transaction history FLOW uses real transaction history in place of thin credit files. A thin credit file is a business with little or no credit history.
- An automated process FLOW automates the process from transactions to lending decision.
- Built to operate at scale FLOW’s cash-flow lending grows with your SME book.
The data behind each decision
FLOW works from the business’s Open Banking transactions, each one categorised.
Open Banking lets a business share its bank account data with a lender it chooses.
Revenue
Money coming in, such as card settlements.
Cost of goods sold
Money going out to suppliers. In the example this is shown as COGS.
Staff costs
Money going out as payroll.
Illustrative example
Illustrative example. The figures are examples, not a real business.
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