See Beyond the Credit Score with AI Cash Flow Analysis
Deep financial insights from bank transaction data. Understand true repayment capacity and uncover qualified borrowers that credit scores miss.
Credit Scores Miss 40% of Qualified Borrowers
A credit score shows the past. Cash flow analysis reveals the present and predicts the future.
Income Verification
Real-time validation of income sources, amounts, and stability from actual bank deposits.
Expense Categorization
AI-powered classification of spending across rent, utilities, debt payments, and discretionary categories.
Spending Patterns
Identify consistent behaviors, seasonal variations, and financial health trends over time.
Proprietary Cash Flow Score
A more complete picture of financial health
Transaction-level analysis of 3-6 months of banking history
Income stability scoring beyond paystub verification
Discretionary income calculation after fixed expenses
Debt-to-income ratios using actual payments
Savings behavior and emergency fund assessment
Payment capacity modeling for loan affordability
Comparative benchmarking against similar borrowers
Predictive modeling of future repayment ability
Early Warning Signals
Identify hidden risks before they become problems
Gambling Detection
Identify problematic gambling expenses
Flag high-risk spending patterns
Volatile Spending
Detect inconsistent income or expenses
Assess financial stability
NSF Patterns
Track overdrafts and insufficient funds
Predict payment difficulties
Flexible Data Sources
Works with any bank data format to maximize coverage.
Direct Bank Connections
Secure bank account linking for instant transaction access
Multi-Region Support
US and Canadian banking institutions supported
Manual Statements
PDF parsing for uploaded bank statements
Comprehensive Coverage
The Flow Advantage
Real results from cash flow-based underwriting
Uncover qualified borrowers missed by credit scores
AI accurately predicts repayment ability
Early detection prevents problem loans
Unlock the Power of Cash Flow Analysis
See how Aloan Flow can help you approve more qualified borrowers.
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