Cash Flow

Evaluate financial health using cash flow analysis and bank data

Use cash flow analysis software to illuminate borrower cash flow analytics, including income/revenue, expenses, transaction categories, ratios, and trends. With a highly specific understanding of cash flow analytics, your team will be empowered to manage risk and make smarter decisions.

Borrowers submit banking information via bank data feeds, PDFs, and cell phone images. Ocrolus ingests all formats of financial data and provides a consistent output schema, enabling detailed cash flow analysis and risk modeling while accommodating the widest possible range of borrowers.

Reduce credit risk

It’s crucial for lenders to make decisions with a complete and nuanced understanding of borrower financial dynamics. Detailed bank data of transactions yields a much deeper picture of businesses and consumers than credit bureau data alone.

With cash flow analysis software, lenders can better understand the seasonality of cash flow, measure non-traditional income, assess debt capacity, and identify recurring transactions. Cash-flow-based risk models help lenders precisely predict the risk of default, increasing yields while expanding access to credit.

reduce credit risk with Ocrolus cash flow analysis software

Standardize your cash flow analysis

Our document capture technology transforms unstructured information into clean, structured data. Ocrolus brings together customer bank statements with bank data feeds to enable you to make sense of cash flow analytics from multiple sources under a unified lens.

standardize your cash flow analysis with Ocrolus

Lower customer acquisition costs

Ocrolus cash flow analysis software allows lenders to quickly process the broadest possible range of borrower submitted bank data. With automated cash flow analysis scoring capabilities, Ocrolus customers can efficiently test new partner channels and increase marketing spend with consistently low application processing costs.

lower custom acquisition costs with Ocrolus cash flow analysis software

Ready to go?

Find out how we can help you assess borrower risk using cash flow analysis and lend with confidence.

lend with confidence using Ocrolus cash flow analysis
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We're enhancing the Blend platform with Ocrolus' automated, accurate document classification and data extraction capabilities. Our partnership with Ocrolus enables us to swiftly deliver time-saving innovations to our customers.”

– Jeff Braddock, Manager, Business Development

Frequently Asked Questions

Cash flow analysis is the examination of different cash inflows and outflows of a company or entity to get a detailed picture of its financial health. Ocrolus offers 100+ small business and consumer analytics that illuminate a borrower’s cash flow dynamics, including revenue, expenses, transaction categories, financial ratios, and trends.

Cash flow lending is a type of business lending that allows companies to borrow money based on the projected future cash flows of a company. Basically, this means a company borrows money from expected revenues they anticipate they will receive in the future.

Ocrolus uses advanced document capture technology to evaluate cash flow. Our technology transforms unstructured information into clean, structured data. We bring together customer bank statements with bank data feeds to enable you to make sense of cash flow analytics from multiple sources to better manage risk and make informed decisions.