https://store-images.s-microsoft.com/image/apps.35423.2d1609c8-7b33-47f4-b1d6-7b4740b1ff4c.53b27ccc-b3d1-449d-ac22-8fc36fc15e72.80c6a134-335a-4a6d-8748-7206a54c6bfb

Data-driven Credit Analysis with in-depth Cash-flow Insights Report

by Prestatech

Cash-flow and affordability-based analysis for Retail and SME clients

Unlock the power of modern cash flow analysis to drive smart decision-making for retail and SME clients.

Prestatech's Credit Analysis Solution is a powerful tool designed for credit analysis and informed decision-making. By leveraging insights from bank transactions and cash flow data, we provide a comprehensive analysis that includes cash flow trends, affordability assessments, and evaluations of the borrower's financial stability. This solution is available in the UK, US, Germany, and Italy. Our bank statement parsing service serves as an alternative to PSD2 and boasts an acceptance rate of over 80%. We offer data analytics that enable instant decision-making for a variety of credit products. Furthermore, we conduct transactional monitoring by processing the SME and retail data lake on a monthly basis for pre-scoring and activity tracking.


Key insights that our solution provides:

  • Score based on cash flow
  • Monthly affordability assessment
  • Yearly EBITDA calculation
  • Overdraft probability analysis
  • Comprehensive risk indicators
  • Loan sustainability evaluation
  • Cash flow reconciliation
  • Regularity of payment review
  • Stakeholder mapping
  • Semantic risk scoring

The main features of our tool include:

  • It is an efficient alternative to PSD2 for banks and other lenders, enabling them to aggregate and gather transactional data from private and corporate users.
  • Stress testing the affordability by defining the loan values: interest, amount, duration, and amortizing schedule.
  • Behavioral analysis of existing contracts, including late, missed, or adverse payments.
  • An affordability analysis based on the most up-to-date spending, existing financial costs, and income trends automatically determines whether a loan is affordable.
  • Forecasting analysis on transactional trends going forward to predict risk.
  • The service can be integrated with traditional data sources such as financials, company house information, credit bureau scores, ratings, and PDs.
  • The modular analysis components can be used through API integration or a customized front-end dashboard.

Using cross-checks, we build configurable rules to detect discrepancies between different documents, ensuring the integrity of information and reducing the risk of unwelcome surprises. Plus, our advanced anti-fraud engine, for “original” PDFs, meticulously examines every aspect of a document, enabling the identification of anomalies that humans may overlook.

At a glance

https://store-images.s-microsoft.com/image/apps.52009.2d1609c8-7b33-47f4-b1d6-7b4740b1ff4c.110470af-07ff-48cb-a63c-d13cc3619e89.81478108-bd00-4a74-b562-3698a0946dbc