Introducing Encore: Trusted, instant cash flow data for SMB funding
At Ocrolus, when we ask customers about their top priorities, one answer always rises to the top: growing origination volume. Funders, brokers, and marketplaces want to say YES more often — to convert more of their valuable leads, fund larger deals, serve a broader range of industries, and access capital faster and more flexibly. And borrowers want to hear YES more often, sooner, and with affordable rates that foster sustainable growth.
Today, we’re proud to introduce Encore — a first-of-its-kind, double opt-in borrower intelligence sharing platform built specifically for small business funding. Encore allows Ocrolus clients to shorten time to offer and monetize every creditworthy lead by enabling partners to share small business cash flow profiles in real-time through a secure platform. By taking inefficiencies out of the workflow and mitigating the risk of bad actors, Encore indirectly helps business owners gain access to capital faster and on better terms than ever before.
Since 2016, Ocrolus has built cash flow analytics for the SMB funding industry, powering credit scoring models for 175+ funders including top originators such as Enova, Square, PayPal, Rapid Finance, Kapitus, Fora Financial, Bluevine, Libertas, and Expansion Capital Group. Trained on over 15 million applications, Ocrolus cash flow analytics have emerged as the standard “language” that major SMB funders and capital providers use to interpret bank data. By uniting the industry around a shared set of standardized cash flow metrics, Encore makes it possible to instantly share deals with trusted counterparties. The result: faster funding decisions, stronger partner relationships, and a wider network of potential funders for every qualified deal.
“Lenders have long relied independently on Lendio for SMB flow and Ocrolus for data standardization and cash flow analytics,” said Trent Miskin, Co-founder and CPO at Lendio. “Encore allows our firms to drive a more streamlined experience that eliminates data-processing duplication; shortening speed to offer and improving the embedded experience that SMBs are demanding.”
Traditionally, brokers “pre-qualify” borrowers with a quick glance at bank statements to estimate revenue and identify competitors, then email the application to a funder—who doesn’t trust the reported metrics and re-analyzes the original documents from scratch. In some cases, brokers even collect Plaid or Finicity credentials from borrowers and access digital bank data but are counterintuitively instructed to convert the digital data to PDF and send it by email, wasting time and introducing unnecessary data issues. Similar problems exist when funders share deals with partner funders, either for turndown referrals or for syndication. Outdated workflows such as these represent major inefficiencies and security risks in how cash flow data is shared. Encore eliminates these friction points with a seamless, trusted data-sharing experience.
“In a competitive market for small business funding, instant access to trusted data is essential for making high quality decisions quickly,” said David Snitkof, General Manager of SMB at Ocrolus. “Encore lets funders and brokers share precise cash flow profiles in a consistent format with decision-ready data, helping to increase conversion rates and deploy more capital to small businesses.”
Encore is now live, with our first group of early adopter partners actively using the platform through the end of the year. Ocrolus will expand access to a broader group in January 2026.
