See the applicant's true cash, on every repayment date
Pouch turns the open-banking data you already pull at application into an itemised picture of real income, real commitments and true free cash, then projects that position forward, day by day, across the whole term.
Cashflow report
Applicant 3319 · SME · 12 months
01
A blurred snapshot, read crudely
You lend to businesses off a one-time open-banking pull: outgoings summed into totals, a fat "other" bucket hiding what is committed versus flexible, and internal transfers counted as spending.
The snapshot you underwrite from
what's committed? what flexes? what's really theirs?
and you size a £24,000 loan from this.
every mis-sized loan is a real loss
02
How it works
How it works: the Static Model at application
Step 01
Push the transactions
Your applicant connects their accounts through open banking at application, exactly as they do today.
Bexfield Landscapes Ltd · accounts connected
open banking · at application · 34 seconds
INV-208 · GARDEN CONTRACT+£3,150.00
EQUIPMENT FINANCE DD−£1,450.00
WAGES RUN · MONTH-END−£4,110.00
POST /v1/transactions · 202
one consented pull · a few months is enough
Step 02
The engine resolves the position
Pouch reads every recurring line on its own detected cycle (month-end wages, rent on the 1st, quarterly VAT), excludes internal transfers, and resolves true free cash on every single day.
Read on its own cycle
Clustered mid-month
Last business day · monthly
1st of month
3rd of month
Recurring · resolved
Quarterly · averaged
every cycle, detected
Step 03
The Static output comes back
You receive a precise category breakdown, historical daily balances, and a forward daily net-position forecast up to around 12 months out, including the exact days repayments fall due.
Forward · across the whole term
repayment 4 · 14 Feb
£610 after payment
the position on the exact day each repayment falls due · up to 12 months out
Step 04
A second opinion on every decision
The output reads each decision back to you: lend more where every due date clears, lend less where the term would bounce, and approve the good applicant your rules turned away.
The second opinion
Harlow Print · every due date clears at £20,000
Bexfield Landscapes · month 8 bounces at £24,000
Mercer & Vale · £865/mo repayment clears every month
beside your existing checksthe decision stays yours
03
The demo
What you will see on the demo
04
FAQ
The questions your team will ask.
- We already use cashflow data and a score. What does this add?
- A score answers approve or decline. Pouch shows the position underneath it: how much, on what terms, and what the applicant's cash looks like on every repayment date. It is an additional layer beside your existing checks, not a rival score, and the decision stays entirely yours.
- How accurate is a daily forecast, really?
- That is exactly what the pilot answers. We rewind an application's history to an earlier date and forecast forward using only what came before. Comparing the projection against the actual months that followed shows you the accuracy, on your own data.
- What about thin-file applicants?
- A few months of categorised data is enough to produce output, and a longer history sharpens the forecast as longer cycles become visible. The pilot shows you both on real cases from your own book.
See it on your own data.
Book a demo, then judge the forecast on your own historical applicants.