Watch: Simplify the lending process with advanced cash flow insights

Unlocking deeper insights: Forensic Analytics & Counterparty Detection in SMB underwriting

Understanding an applicant’s financial health goes beyond basic transaction analysis. Ocrolus’ latest analytics enhancements—including Forensic Analytics and Counterparty Detection—provide underwriters with deeper insights into borrower behavior, risk factors and undisclosed financial patterns.

In this session, Ocrolus’ Product and Data Science experts unveil new features designed to optimize decision-making and help lenders uncover hidden risks and fraud indicators.

Key Takeaways

• Forensic Analytics now automatically detects borrower risk patterns, including stop payments, changes in loan terms and missing bank accounts.
• Counterparty Detection allows lenders to see exactly where money is coming from and going to, helping assess revenue concentration and expense patterns.
• New transaction tags (gambling, crypto and payroll) provide a more granular view of borrower behavior.
• Automated debt event tracking identifies paid-in-full loans, missed payments and irregular repayment behaviors without manual review.
• Unreconciled internal transfers can signal hidden bank accounts, helping underwriters detect missing financial information.

What’s new: Transforming SMB lending with advanced analytics

Forensic analytics: Identifying risk signals with automation

Underwriters often manually search for risk indicators, such as borrowers who stop making payments or shift their debt repayment patterns. Ocrolus now automates these insights, flagging:

• Stop payments: Borrowers who abruptly halt loan payments before completion.
• Debt payment changes: Adjustments in frequency or amount that indicate financial distress.
• Paid-in-full indicators: Confirming when a borrower has completed their repayment cycle.
• Non-descriptive wires: Identifying lump sum deposits that signal undisclosed loans.

Counterparty Detection: Understanding where money flows

Ocrolus’ enhanced Counterparty Detection now provides a clear picture of revenue sources and expenses, helping lenders identify:

• Revenue concentration risks—If a borrower relies on a single source for most of their revenue, that may signal business instability.
• Expense breakdown—Identifying major cost drivers, such as rent, payroll, or supplier payments.
• Venmo & payment app transactions—Evaluating whether personal or business payments are commingled.

Identifying missing bank accounts with internal transfer reconciliation

Ocrolus now flags undisclosed accounts by analyzing unreconciled transfers. If a borrower moves money between accounts without a matching inflow, it may indicate an omitted bank account—a critical risk factor for underwriters.

How these features benefit SMB lenders

• Reduce manual work — Automate the detection of risk factors, debt patterns and fraud indicators.
• Make smarter credit decisions — Gain a full financial picture of an applicant beyond traditional underwriting data.
• Detect hidden risks — Identify gaps in borrower disclosures, missing bank accounts and unreconciled transactions.
• Improve loan portfolio performance — Use better risk assessment models based on forensic analytics.

Upgrade your underwriting with Ocrolus Analytics

Lenders who adopt cash flow analytics, forensic insights and counterparty tracking can significantly reduce risk, improve efficiency and boost approval rates with greater confidence.

Want to see these new analytics in action? Request a demo and start optimizing your underwriting today.