Understand the unique cash flow dynamics of your borrowers to manage risk and accelerate lending decisions
Ocrolus leverages best-in-class artificial intelligence, proprietary algorithms and our collective experience with hundreds of lender clients to provide the most trusted analytics that empowers your teams to underwrite more loans with confidence.
Step one: Transform raw data into actionable insights
Ocrolus standardizes unstructured data and enriches each transaction to provide you with the most accurate categorizations. Our proprietary transaction tagging algorithm has been specifically designed for cash flow underwriting, ensuring you can easily identify income sources, payments to lenders, recurring transactions, overdrafts and more.
Step two: Review critical borrower information in an intuitive workflow
Precisely measure your borrowers’ revenue and expenses while identifying trends in their account balances, transactions and cash flow. Ocrolus provides you with the information you need to understand a borrower’s business in greater detail and make better underwriting decisions.
Step three: Supercharge risk models with cash flow features
Assess debt capacity, cash flow trends, volatility and more with hundreds of Ocrolus pre-built cash flow attributes, allowing you to take on more measured risk in today’s continuously evolving environment. Our cash flow features have been optimized for use in risk modeling and to ensure higher precision in measuring a borrower’s ability to pay.
Available via API and Dashboard to meet your business’ needs
Take the next step toward smarter underwriting with Cash Flow Analytics from Ocrolus.
Ocrolus has helped us adapt to increasing loan volume while minimizing growing pains. Turnaround times for data extraction were reduced to under 15 minutes, which has helped Fora provide loan decisions within 4 hours and funding in under 24 hours. By targeting our approach more effectively, we reduced bank statement verifications by over 50%, streamlining the process for legitimate users while deterring bad actors.”
