Bank Statement Analytics
for Cashflow-Based
Lending
Analyse bank statements to verify income, understand cashflow behaviour, detect risk patterns, and generate data-driven credit insights for MSME and consumer lending.
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How it Works
Patascore transforms bank statements into structured underwriting intelligence by analysing inflows, outflows, expenses, balances, repayment behaviour, income regularity and cashflow stability.
Go beyond balances. Understand real financial behaviour
Reduce underwriting turnaround time
Automated statement extraction and interpretation helps credit teams move faster than manual review.
Strengthen affordability checks
Cashflow trends, recurring income and expense signals make affordability assessments more complete.
Support explainable decisions
Give credit and risk teams consistent analytics they can review, explain and act on.
Built for complex lending scenarios
Support salaried customers, MSMEs, multi-banked clients, new-to-bank customers and inconsistent income profiles.
Cashflow-based lending
Use transaction-level bank data to make more confident lending decisions.
SME and merchant underwriting
Assess business income, expenses and financial volatility for MSME borrowers.
Salary and business income verification
Validate income regularity and distinguish salary, business and transfer patterns.
Portfolio monitoring
Segment and monitor customers using cashflow and affordability signals.
Structured bank statement intelligence
Turn bank statements into validated analytics, risk indicators and downstream scoring inputs.