Asset finance · Company statements, any bank
Price the deal on cash flow, not just the asset
The asset covers the loss you never wanted to take. The statements tell you whether the payment lands every month. ExactSum reads a full year of the applicant's banking and sizes every agreement already running before you add another one.
What comes back on every proposal
- 01 Monthly cash generation, with one-off credits stripped out
- 02 Every existing agreement found and sized from the outgoings
- 03 Returned items and overdraft days, dated against the payment cycle
- 04 A policy decision with the transactions that produced it attached
50
proposals processed in five minutes
99.4%
extraction accuracy, measured against manual review
12 months
of banking read in one pass, seasonality included
01 / The file
The proposals that come back for more information
Brokers send proposals in bursts, and the files that hold up a pipeline are rarely the risky ones. They are the ones nobody can read quickly.
01
Several agreements already running
02
Seasonal contractors and plant hire
03
Newly incorporated trading entities
04
Statements arriving as phone photographs
05
Group structures paying from one account
02 / What comes back
What the banking says about repayment capacity
Cash generation, existing commitments and conduct — read from the statement rather than taken from the proposal form.
Can they afford it?
Are they under stress?
Who are you actually lending to?
03 / Your policy
One credit policy, applied to every proposal that arrives
Set your affordability cover, maximum concurrent agreements, tolerance for returned items and your red-line funders once. Every proposal is measured against the same lines, in the order they arrive.
自动批准
Cash cover, existing agreements and conduct all sit inside policy.
案件直接进入下一环节，并附上支持证据。
转人工
Cover is thin, or an agreement can't be matched to a known funder.
转交核保人员处理，并高亮显示触发的规则。
拒绝
A hard rule failed — cover below floor, or a red-line funder already in place.
按统一标准予以拒绝，并记录原因以备审计。
Every outcome links back to the transactions that produced it.
了解决策引擎的工作原理 →04 / What changes
What changes when the statement does the work
Same-day proposals
A burst of broker proposals is read in one pass, so the answer goes back while the deal is still live.
Concurrent agreements, sized
Every finance direct debit is identified and matched to a funder, so total monthly commitment is a figure rather than an estimate.
Fewer surprises after drawdown
Returned items and overdraft dependency are surfaced before the agreement is written, not after the first missed payment.
05 / Coverage
Works when Open Banking doesn't
No consent, no integration. If the applicant can produce a statement, ExactSum can read it.
Any document
The bank's PDF, a scan, or a phone photo — all read the same way.
Twelve months, not ninety days
A full year of history where Open Banking shows a quarter.
Accounts APIs can't reach
Foreign accounts, business accounts, legacy banks, and applicants who decline to connect.
Also