Working capital loans and credit lines
Size the facility to cash flow the business can evidence, with the limit and the renewal decisioned on the same policy.
SME LENDING
Loan decisioning built for SME lenders.
A consumer applies with a payslip. A business applies with twelve months of statements across several banks, financial statements, tax filings, registration papers, and the owner's documents on top. Floowed reads the whole business file, pulls what your systems and the bureaus already hold, reconciles the three against each other, then runs your credit policy on the result, identically, on every application.
WHY SME FILES ARE HARD
The business is the file, and the file rarely agrees with itself.
SME lending is the segment that stayed manual the longest, and for a reason. The signal that decides the loan, whether this business can service it, is not in any single document. It is in the relationship between all of them, and checking that relationship by hand takes an analyst hours per file and comes out differently depending on who did it. That is where good businesses wait days for an answer, where declared debt goes unverified, and where a doctored statement gets read as a healthy one.
The file arrives from everywhere at once: statements from several banks, financials, tax filings, permits, ageing schedules, and the owner's personal documents, in every format and quality.
The numbers have to agree. Revenue on the financials, revenue on the tax return, and deposits in the bank statements are three different claims about the same business, and only reconciling them tells you which one to believe.
The business credit file is thin or absent, so the decision leans on cash flow the lender has to compute, not a score it can look up.
Debt is self-declared. The obligations that actually service out of the account every month are sitting in the statements, unread, unless someone goes looking for them.
THE BUSINESS FILE
Every document a business brings.
Trading history, financial position, tax position, ownership, and the owner behind it: the whole file read into clean, validated data, document by document.
- Business bank statements (several banks and accounts)
- Audited financial statements
- Management accounts / trial balance
- Income tax returns
- VAT / sales tax returns
- Business registration certificate
- Articles of incorporation / constitution
- Shareholder register / statement of ownership
- Business permits and licences
- Receivables and payables ageing
- Sales ledger, invoices, POS reports
- Existing loan agreements and amortisation schedules
- Collateral documents (title, deed, chattel)
- Owner and guarantor IDs
- Owner personal bank statements
- Handwritten cash book / sales ledger
DOCUMENT INTELLIGENCE
We read the whole quality range.
Business paperwork rarely arrives clean. Floowed reads statements, financials, and filings across the full quality range, where basic OCR and generic IDPs stop at born-digital documents.
Basic OCR / IDP
stops at clean, born-digital
Floowed
reads the whole range
THE BUSINESS FILE TO A DECISION
Three sources of truth, one decision.
Floowed runs the full path on every application, the same way every time.
INPUTS
However it arrives
Statements, financials, and filings from documents, the commercial bureau and the registry pulled directly, and whatever your systems already hold.
FACTS
Read and reconciled
Cash flow computed, financials spread, the three sources checked against each other, and undeclared obligations surfaced.
DECISION
Your policy, enforced
Gates and scorecard run on every file, with the reasons and the source behind every check on record.
CASH FLOW AND SPREADING
Compute the business, don't take its word for it.
Floowed reads twelve months of statements across every account the business banks with, and turns them into the cash-flow view your policy needs: average daily balance, inflows and their concentration, volatility, negative days, NSF and bounced items, and debt service coverage. The financials are spread into your own line-item structure at the same time, so the balance sheet and the account tell the same story. Every figure sits beside the source page it came from, so your credit and risk teams verify what was read rather than trust a black box.
- Average daily balance, coverage months, and DSCR computed from the statements
- Inflow concentration, volatility, negative days, NSF and bounced items surfaced
- Financial statements spread into your own line-item structure
- Statements from several banks normalised into one view of the business
- Every value traced back to the page and line it came from
WHAT NOBODY DECLARED
What the application leaves out.
The debt on the form is rarely the debt on the account. Businesses under-declare their obligations, usually without meaning to, so Floowed reads the repayment streams actually running through the account and lays them out lender by lender: the cadence, the monthly equivalent, whether the stream is still live, and the month-by-month record of which payments landed and which failed. The same scrutiny runs across the rest of the file. Revenue on the financials goes against revenue on the tax return and against deposits in the statements, and the statement itself is checked for tampering before any of its numbers are trusted. What doesn't reconcile becomes a gate or a score you control, not a note someone might catch.
- Every repayment stream by lender, cadence, and monthly equivalent, month by month
- Declared debt held against the obligations actually servicing
- Revenue reconciled across the financials, the tax return, and the deposits
- Statements checked for tampering, edited metadata, and broken balance math
THE PEOPLE BEHIND THE BUSINESS
The company checks out. Do the people?
An SME loan is a loan to a company and, in practice, to the people who own and run it. Floowed verifies the entity itself against the registry, that it exists, that it is active, and that its registered particulars are what the application claims, then reads the ownership off the filings and matches it to the applicants, signatories, and guarantors. Those people are then researched and screened: sanctions and watchlists, politically exposed person status, and adverse media on the company, its directors, and its beneficial owners. Every finding comes back with the source behind it, so a hit is something your credit and risk teams can assess rather than a flag with no provenance. You set what a hit does.
- Entity verified against the registry: existence, status, and registered particulars
- Ownership and beneficial owners read off the filings, matched to the applicants
- Sanctions and watchlist screening on the company, its directors, and its owners
- Politically exposed person status checked and recorded on the file
- Adverse media and entity research, with the source behind every finding
- You decide what a hit does: decline, score, or route for review
ENFORCEMENT
Your SME credit policy, run the same way every time.
Encode your SME policy once, then let it run. Floowed enforces your minimum months of bank data, your NSF and negative-day tolerances, your DSCR and coverage floors, your leverage and negative-equity checks, and your sector and ticket-size rules, all on data machine-read from the documents rather than re-keyed from them. What comes back, in minutes rather than the days a manual review takes, is a scored and graded recommendation that shows its work: every hard rule with the value observed and the condition it was tested against, every metric that contributed points, and the audit log behind the lot. Straightforward applications can clear automatically once you trust them to, and the rest route to a credit officer with the analysis already done. You decide how much of it decides. Same policy. Every application. Every time. No exceptions.
- Minimum months of bank data, NSF, and negative-day gates applied automatically
- DSCR, coverage, leverage, and negative-equity thresholds enforced per segment
- A separate policy version per product, sector, or ticket band, changed by your credit and risk teams
- Every rule shown with the observed value and the condition it was tested on
- Clear applications auto-decided, the rest routed with the work already done
- Full version history and audit trail on the policy and every decision
THE FLOOWED DIFFERENCE
Faster, sharper, and the same every time.
90%
Less time per application
FULL FILE TO DECISION
99%+
Extraction accuracy, any quality
SCANNED OR PHOTOGRAPHED
100%
Same policy, every application
FULLY AUDITABLE
WHAT YOU LEND
Built for how businesses borrow.
One decisioning setup across the products SME lenders actually run.
Term loans and expansion financing
Underwrite a longer commitment on spread financials and a coverage ratio your policy sets, not on a thin bureau file.
Invoice, receivables, and supply-chain financing
Read the invoices, the ageing, and the counterparty concentration behind them, and hold the advance rate to your policy.
Equipment and asset financing
Combine the business cash flow with the asset and its papers, so the capacity and the collateral are checked on one file.
QUESTIONS
SME lending, answered.
Can Floowed read business bank statements from several banks?
Yes. Floowed reads business statements from any bank and any format, including scanned, photographed, and password-locked files, and normalises them into one view of the business. Statements from several institutions are reconciled together, so the cash-flow picture covers every account the business banks with rather than the one it chose to send.
Can Floowed spread financial statements automatically?
Yes. Floowed reads audited financial statements, management accounts, and trial balances, and spreads them into your own line-item structure, so the balance sheet and income statement land in the format your credit team already works in. The spread values feed straight into your policy as decision-ready fields.
How does Floowed underwrite an SME with a thin credit file?
By computing the business rather than looking it up. Where the bureau has little to say, the statements still show the trading reality: inflows and their concentration, average daily balance, volatility, negative days, and what the business is already servicing every month. Floowed turns that into the metrics your policy tests, so the decision rests on evidenced behaviour instead of an absent score.
Can Floowed calculate DSCR and average daily balance?
Yes. Debt service coverage, average daily balance, coverage months, inflow concentration, volatility, negative days, and NSF counts are computed from the statements and exposed as fields your credit policy can gate or score on directly, with the underlying transactions on record behind each one.
Can Floowed find debt the business didn't declare?
Yes, and it is one of the sharpest checks in an SME file. Floowed identifies the repayment streams running through the account, counts them, sizes the monthly burden they carry, and flags failed attempts and repayment conduct. That is then held against the debt declared on the application, so an under-declared obligation is surfaced before it lands in a coverage ratio that was never true.
Can Floowed check the revenue on the financials against the tax return?
Yes. Revenue on the financial statements, revenue on the tax return, and deposits in the bank statements are three separate claims about the same business. Floowed reads all three and reconciles them, and you decide whether a gap beyond your tolerance is a hard decline, a score, or a referral to a credit officer.
Can Floowed detect a doctored bank statement?
Yes. Before any number is trusted, the statement itself is examined: running balance math against the transactions, document metadata and editing traces, structural and template integrity, glyph and font consistency, overlay and masking artefacts, and whether the transaction dates align with the reporting period. A statement that fails those checks is flagged rather than quietly analysed.
Can Floowed verify that the business is real and who owns it?
Yes. Registration certificates, incorporation documents, and shareholder filings are read and checked against the registry, and the ownership on the filings is matched to the applicants, signatories, and guarantors on the file. Directors and beneficial owners can be screened against sanctions, PEP, and adverse-media sources as part of the same run.
Can Floowed pull our bureau report and run KYC?
Yes. Documents are one of three input lanes. Floowed also pulls directly from commercial and consumer bureaus, registries, KYC providers, and banking-data sources, and reads whatever your own systems already hold, with 40+ integrations across the lending stack. Every lane feeds the same policy, so an application with clean API data and one with a shoebox of paper are decisioned the same way.
Does Floowed decide the loan for us?
No. Floowed automates every check behind the decision and returns a recommendation with the reasons and the source behind each one. You choose how much it decides: many lenders start with everything routed to a credit officer, then hand over the straightforward applications once they have seen enough come back right, and keep the rest for a human.
Does Floowed replace our credit policy?
No. Floowed runs your policy. You set the coverage ratios, bank-data minimums, NSF and negative-day tolerances, leverage limits, and sector rules, and Floowed enforces them on every application, with version history and an audit trail. It is the engine that applies your policy, not a scoring model that overrides it.
Do we have to use Floowed's scoring model?
No. Floowed is score-agnostic: bring a commercial bureau score, an alternative-data score, or your own model, and it gets fed into your policy unchanged. We orchestrate the decision across your scores, bureaus, KYC, and LMS with 40+ integrations across the lending stack, we don't compete with your model.
How long does it take to go live with Floowed?
Weeks of proper configuration, then live, not the six to eighteen months and six-figure implementations other platforms force on you. Your existing SME policy, configured and enforced, without the enterprise implementation tax.
How is Floowed different from basic OCR?
Basic OCR reads text off a page and stops there. Floowed reads business documents of any quality, computes the cash flow, spreads the financials, reconciles the sources against each other, checks the file for tampering, then feeds the clean result into your own credit policy to reach a recommendation, with the documents, the data, and the reasons all on record. It is a loan decisioning platform, not an isolated extraction tool.
GO DEEPER
The SME underwriting playbook.
ONE PLATFORM
One platform. The whole decision.
The file is data now. Here's what runs on it.
Document IntelligenceReads every document: clean PDFs through handwritten scans.EXPLORE →Fraud ForensicsCatches the document that shouldn't pass.EXPLORE →Borrower 360Look beyond the application. Bureau data, KYC, banking, entity research, all feeding the same policy.EXPLORE →Decision EngineYour rules, executed identically on every case.EXPLORE →
Run a real SME file through it.
Upload twelve months of business statements and a set of financials. Watch Floowed compute the cash flow, find the debt nobody declared, and reach a decision.