Flag trouble six weeks early, from data you already hold
Pouch turns the categorised transactions you already hold into a live free-cashflow position and a daily forward forecast for every business borrower.
Arden Consulting Ltd
working capital · £40,000Flag · fired on the forecast
Projected free cash crosses £0 in 6 weeks.
Current position still positive · no payment missed yet
01
You hold the accounts, and still lend off snapshots
You hold your business customers' accounts, the richest data in the lending market, and still underwrite off snapshots and annual reviews.
Nov 4 · 09:12 · the first you hear of it
Direct debit returned · unpaid
Arden Consulting Ltd
−£3,600
loan repayment 7 of 24 · insufficient funds
The same borrower · your own core banking
the decline began in July · and it was all in the account
02
How it works
Static at origination, Live for the life of the loan
Step 01
Push the transactions you already hold
Send categorised transactions to Pouch's endpoints: a fixed history at origination, then continuously as they land.
CLIENT PAYMENT · INV-311+£4,850.00
SUPPLIER DD · MERIDIAN−£980.00
STUDIO RENT−£1,900.00
PAYROLL RUN−£3,200.00
POST /v1/transactions · 202
38,000 transactions a year · already in your core banking
zero new data to collect
Step 02
The engine resolves the position
Pouch detects every recurring inflow and outflow, excludes internal transfers, and resolves true free cash: income minus commitments, on any day behind the borrower or ahead of them.
Arden Consulting Ltd · 12-month average
Committed · detected cycles
True free cash
£2,300 / mo
every line resolves to its source transactions · auditable
Step 03
Static output at origination
You get the itemised picture: true income, mandatory and discretionary outflows with internal transfers stripped out, historical daily balances, and a forward daily forecast across the repayment schedule.
Twelve repayments · one seasonal business
A flat schedule
fails in the off-season ✗
Shaped to the forecast
clears all twelve ✓
month 8 · off-season · instalment halved
not a decline · a loan that fits the business · PDF or JSON
Step 04
Defend the book, then grow it
The same rolling forecast that flags deterioration weeks before a missed payment also shows capacity: set your own criteria, and when a borrower's free cash holds above them you see the room for more lending before a competitor funds it.
Defend
Arden Consulting Ltd
Flagged on the forecast · 6 weeks before the bounce.
Restructured before the miss
flag · wk 14
bounce · wk 20
Grow
Fenwick Joinery Ltd
Forecast free cash ≥ 2× repayments for the next 4 months · your rule.
Offer a £15,000 top-up
one feed · defended and grown
03
The demo
What you will see in the demo
04
FAQ
The questions your team will ask.
- We already have internal monitoring. What does this add?
- Balance and arrears alerts fire when it is already happening. Pouch flags on the forward position, the projected dip, which is the difference between restructuring early and chasing arrears. It sits beside your existing monitoring as an additional layer, not in place of it.
- Couldn't we build this ourselves?
- The frequency, classification and forecasting engine is the hard part: years of iteration on real cashflows. It runs as a layer in your environment, on your categorisation, and everything your teams and customers see stays yours.
- Where does this sit with compliance if we act on the signals?
- Pouch provides descriptive information only: positions, trends and dates, never a score, rating or recommendation. Decisions and the governance around them stay with you. The instrument panel, not the throttle.
- How accurate is the forecast?
- We claim the resolution: a daily value on any future date, not a coarse multi-month band. Accuracy is yours to judge, which is what the pilot is for: it can replay a historical loan month by month, showing when the Live flag would have fired against when the trouble actually surfaced, measured on your own book.
05
Related products.
Applicant 4412 · 12 months
true free cash / mo · PDF or JSON
Analyse
The applicant's true position from twelve months of transactions, plus a forward forecast. PDF or JSON.
Discover AnalyseFlag · fired on the forecast
Harbour Joinery Ltd · monitored
Dip in 6 weeks
on the projection · no miss yet
Forecast
The live position and rolling forecast on every customer, with flags that fire on the projection.
Discover ForecastSee it on your own data.
Book a demo with your business lending team, then judge it on your own book.