Lend off what you already know
Your customers' current accounts already tell you their real free cash, forward to the day.
Lending decision
M. Okafor · £6,000 · 24 months
From the account you hold
Live£260 true free cash / mo
r1
r2
r3
r4
the position on every repayment date
then watched live · for the life of the loan
01
You hold the data. The bureau gets the decision.
You hold your customers' current accounts, the richest data in consumer lending, and still lend off bureau scores and stated income.
Bureau file
712
6 lines · months old
Current account · held by you
Live14,200 rows
24 months · income, bills, cycles
Lending decision
approve · decline · priceso distress surfaces at the first missed payment
02
How it works
Static at origination. Live for the life of the loan.
Step 01
Push categorised transactions
You push a borrower's categorised transactions to Pouch's endpoints.
SALARY · HAYES & CO+£2,460.00
BNPL INSTALMENT−£86.00
TRANSFER TO SAVINGS−£250.00
POST /v1/transactions · 202
the accounts you already hold · continuous
Step 02
The engine resolves the real position
Pouch detects the frequency and classification of every recurring inflow and outflow, correctly identifies and excludes internal transfers, and itemises true income, mandatory commitments, discretionary behaviour and genuine free cash.
The real position · at origination
itemised · auditable · Consumer Duty evidence
Step 03
The forward view comes back
At origination you receive the itemised breakdown plus a forward daily free-cash position across the whole repayment schedule: to the day, not a multi-month band.
Daily position · across the schedule
Liveright-size the loan before you lend · PDF or JSON
Step 04
Live, in both directions
Your continuous feed maintains each borrower's live forward position, and flags fire both ways: when the projection deteriorates weeks before a payment is missed, and when sustained headroom meets your own criteria for a top-up or a cross-sell.
Your live book · both directions
LiveM. Okafor · personal loan
Forecast dips below £0 before repayment 3.
Intervene · weeks before the miss
S. Hughes · card
Forecast free cash holds above £300 for the next 3 months · your criteria met.
Offer a limit increase
Consumer Duty evidence on both
03
The demo
What you will see
04
FAQ
The questions your team will ask.
- Don't bureau scores and affordability rules already cover us?
- They read history and stated income. Pouch adds the live forward position built from your own categorised data: sharper decisions at origination, and the good-outcomes evidence Consumer Duty keeps asking for. It sits beside your bureau checks, never in place of them.
- Isn't acting on customer account data sensitive?
- Lead with the defensive use: pre-arrears protection is unambiguously customer-positive, and it reads that way to compliance. Capacity insight is descriptive visibility you act on under your own governance, when you are ready. Pouch never suggests an action.
- Does Pouch approve or decline?
- Never. The output is strictly descriptive: real income, commitments, discretionary behaviour and the forward daily position, with the facts, trends and dates behind them. Your team makes the decision. Pouch is the instrument panel, not the throttle.
- What happens to our customers' data?
- Pouch is a processor-only layer running on the categorised transactions you already hold. The data stays in your environment and under your control, and nothing goes to a bureau, a consortium or any third party. Nothing is sent to outside services.
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 Forecast