SME lending · Company statements, any bank
Underwrite the business, not last year's accounts
Filed accounts are eighteen months old before they reach you. The bank statements are not. ExactSum reads a full year of company banking — from any bank, in any format — and returns categorised revenue, every commitment sized, and the conduct signals your credit policy actually turns on.
What comes back on every file
- 01 Revenue split by source, with one-off and intra-group credits separated out
- 02 Every existing lender commitment found and sized — including those the bureau never saw
- 03 Returned items, overdraft days and unpaid direct debits, dated
- 04 A policy decision with the transactions that produced it attached
99.4%
extraction accuracy, measured against manual review
12 months
of trading history read in one pass, where Open Banking shows a quarter
Zero
data retention — Cyber Essentials certified
01 / The file
The SME files that stall on an underwriter's desk
Most SME applications are decided in minutes. The ones that are not share a shape: real trading businesses whose income does not present the way a scorecard expects.
01
Accounts filed eighteen months ago
02
Revenue split across trading and savings accounts
03
Directors paying themselves in dividends
04
Seasonal trade that looks broke in Q1
05
Applicants who won't connect Open Banking
02 / What comes back
The three questions, answered from the statement
Every module below runs on the same file. What you get back is not a transaction dump — it is the answer to the question a credit committee actually asks, with the lines it came from attached.
Can they afford it?
Are they under stress?
Who are you actually lending to?
03 / Your policy
Your SME credit policy, applied the same way every time
Set your minimum turnover, maximum debt service, tolerance for returned items and hard red lines once. ExactSum applies them to every application and returns a decision your underwriters can stand behind.
自動承認
Turnover, debt service and account conduct all sit inside policy.
裏付けとなる証拠を添付したうえで、案件はそのまま次の段階へ進みます。
審査回付
Seasonality, a returned item or an unmatched commitment needs a human view.
該当したルールをハイライトしたうえで、引受担当者に回付されます。
否決
A hard rule failed — undisclosed debt, a red-line funder, or conduct outside appetite.
一貫した基準で否決され、監査用に理由が記録されます。
Every outcome links back to the transactions that produced it.
ディシジョンエンジンの仕組みを読む →04 / What changes
What changes when the statement does the work
Hours back per case
The three-day file becomes a short review of flagged items rather than a line-by-line read of ninety pages.
Decisions that survive review
The same policy applied identically to every applicant, with the triggering rules recorded — so a decline can still be explained a year later.
Commitments nobody declared
Loan repayments and lender direct debits are found and sized from the statement itself, including facilities that never reached the bureau.
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