Know exactly where they stand.
Deep analysis of twelve months of categorised transactions resolves the applicant's true position: real income, committed outgoings, true free cash, itemised. The forward forecast across the schedule comes on top.
Cashflow report
PDFApplicant 4412
Rent · s.o. · 1st−£1,150
Car finance · 15th−£410
Energy DD · 12th−£96
True free cash£1,284 /mo
Every due date, checked12 / 12 clear ✓
Applicant_4412.pdf · JSON available
01 / 06
01
The problem it fixes
What a score can't tell you.
A score answers approve or decline. It says nothing about where the applicant actually stands.
The score
712
approve · decline
…and nothing else
The position
The decision, informed. And still yours.
02
What goes in
Twelve months, already labelled.
Pouch doesn't categorise. It reads the twelve months your stack has already labelled.
Your file
Read from your labels
True free cash
£2,940 income − £1,656 committed
03
The analysis
The position, resolved.
Transfers stripped out, cycles detected, commitments separated: the numbers a statement can't show.
£34,832 went out over the year.
04
On top · the forward view
The same position, projected across every repayment.
The nice-to-have, done properly: each due date, resolved to the day, before the money goes out.
12 / 12
due dates clear · known before you decide
r4 · the tightest fortnight
daily resolution
the January squeeze · seen in September
Into your flow
instant · at application
"true_free_cash": 1284,
"r4_day_position": 94
}
Applicant_4412.pdf
read in minutes
JSON for the system · PDF for the underwriter
0 / 12
due dates checked before the decision is made.
£0/mo
the repayment, priced against real free cash.
beside your bureau checks · zero change to your funnel.
06
FAQ
What credit teams ask.
- We already use cashflow data and a score. What does this add?
- A score answers approve or decline. Static shows the position: 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.
- How accurate is a daily forecast?
- That is exactly what the pilot answers. We rewind an applicant'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 produces output, and a longer history sharpens the forecast as longer cycles become visible. The pilot shows you both.
- Does it slow our funnel down?
- No. Output is returned at application speed: the applicant connects their accounts, you push the categorised transactions, and the JSON or PDF comes back without adding friction to your flow.
Run it on your own historical applicants.
We rewind their history, forecast forward, and you compare the projection against the months that followed.
Pilot deliverables
The Overall Findings Report, including forecast versus actual where your data allows it.
The John Doe sample report: the exact per-application artifact you would receive in production.