Solutions
Underwriting-grade cashflow signals you can cite in credit memos
Automate SMB cash reviews with structured forecasts, runway warnings, and distress signals — built for lenders who need committee-grade output without hosting customer ledgers.
Underwriting teams are judged on throughput and consistency: the same rubric should apply to a $75k line renewal as to a first-time applicant, but operational reality rarely matches that bar. An API-first cashflow layer lets you stamp time-stamped JSON into your LOS, re-run when statements refresh, and diff drivers when a borrower disputes a decision.
From manual cash memos to machine-readable decisions
Credit memos often mix narrative prose with embedded Excel screenshots — a format that is painful to search, diff, or replay when portfolio managers rotate. Structured JSON plus a template narrative gives you both human-readable text and fields you can index for covenant surveillance.
Cashytics separates concerns across endpoints so triage can call the health score route while workout teams subscribe to distress and runway payloads without duplicating ingestion jobs.
Renewals, line increases, and watch-list monitoring
Renewals fail quietly when cash stress shows up between statement cycles. Running the same envelope monthly (or weekly for watch-list names) produces comparable JSON snapshots you can store in S3 or Snowflake for trendlines.
Pair runway with health scores when committees ask both “how tight?” and “how fast?” — each answer comes from a focused model surface instead of one opaque composite.
Ephemeral scoring and data-controller clarity
Legal teams frequently ask whether a vendor becomes a co-controller when cash analytics are involved. Cashytics documents processing mode in responses so you can explain that scoring is computed from the envelope you supply for that request.
That framing helps when you negotiate DPAs with enterprise borrowers who restrict subprocessors.
Operational playbooks for API quotas
Free-tier workspaces cap successful POSTs per UTC month; production pilots should budget keys on paid tiers if you replay historical cohorts. Read errors & limits for 429 semantics and backoff guidance.
Metering on paid tiers is designed so live traffic continues with overage charges — a better fit for embedded lending programs than hard stops during payroll spikes.
Validate narratives against your credit culture
Before you wire production traffic, compare Cashytics narratives to your committee’s language for edge cases: seasonal businesses, acquisition bumps, and one-off asset sales. The playground makes that review cheap because you do not need keys to iterate.
When language matches your risk appetite, lock golden envelopes into regression tests so future engine updates do not change meaning silently.
FAQ
- Can we use this only for the cash section of a credit memo?
- Yes. Many teams start by attaching health score + runway JSON as an appendix while keeping their existing scorecards for character and collateral.
- How do we handle joint guarantors or multi-account borrowers?
- Model each legal entity with its own `account_id` and envelope. Your LOS can merge outputs at the relationship level using keys you already maintain.