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Credit decisioning built for SME lenders.

A business applies with a year of statements from several banks, financials, tax filings and the owner’s documents. Floowed reads the whole file, reconciles it, and runs your credit policy on every application.

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One SME file · Application #4417Recommendation ready

Bank statements, 3 banks

12 months · PDF and scans
Credits, 12 months
14,280,000
Average daily balance
612,400

Audited financial statements

Scanned
Revenue, last financial year
15,900,000
Net margin
9.4%

VAT returns, 4 quarters

Photographed
Declared sales
14,650,000

Registration and permits

Stamped
Entity
Active, 7 years
Owner on file
Matches ID

Receivables ageing

Spreadsheet export
Over 90 days
11%

Cross-checked

Bank credits against declared salesWithin 3%
Financials against VAT returns8% gap, flagged
Owner and guarantor against the registryMatch

Credit policy

Hard gates6 of 6
Scorecard74 · Grade B
Approve the working capital line.Grade B, one gap explained.Recommended, a credit officer decides

The business is the file, and it rarely agrees with itself.

  1. 01The file arrives from everywhere: statements from several banks, financials, tax filings, permits and the owner’s documents.
  2. 02Revenue on the financials, the tax return and the bank deposits are three claims about one business. Only reconciling them tells you which to believe.
  3. 03The business credit file is thin or missing, so the decision rests on cash flow you have to work out.
  4. 04Debt is self-declared. The repayments actually leaving the account sit unread in the statements.

Every document a business brings.

Read into clean, validated data, whatever state it arrives in: scanned, photographed, stamped or handwritten.

Business bank statementsAudited financial statementsManagement accountsIncome tax returnsVAT and sales tax returnsBusiness registrationArticles of incorporationShareholder registerPermits and licensesReceivables and payables ageingSales ledger, invoices, POS reportsExisting loan agreementsCollateral documentsOwner and guarantor IDsOwner personal statementsHandwritten cash book

Cash flow and spreading

Work out the business, don’t take its word for it.

  • Average daily balance, coverage and DSCR from the statements
  • Financials spread into your own line items
  • Every value traced to its page and line

What nobody declared

The debt on the form is rarely the debt on the account.

  • Every repayment stream, lender by lender
  • Revenue reconciled across financials, tax return and deposits
  • Statements checked for tampering

The people behind it

The company checks out. Do the people?

  • Entity verified against the registry
  • Owners matched to the applicants and guarantors
  • Sanctions, PEP and adverse media, with sources
15h → 15minOne application at Alon Capital, before and after
AnyQuality of document it reads
3 sourcesSystems, bureaus and documents, reconciled

Built for how businesses borrow.

Working capital loans and credit lines

Size the facility to cash flow the business can show, with renewals on the same policy.

Term loans and expansion financing

Underwrite longer commitments on spread financials and your coverage ratio.

Invoice, receivables and supply-chain financing

Read the invoices, the ageing and the concentration behind them.

Equipment and asset financing

Check the business cash flow and the asset’s papers on one file.

Decide SME files in minutes, not days.

Start free with $80 of credits, or talk to us about your book.

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