CASHFLOW ANALYTICS SUITETM
Smarter Lending Starts with Clearer Insights
Credit Scores Miss Profitable Lending Opportunities
- Credit scores are backward-looking and slow to reflect real financial change
- Thin-files and emerging borrowers are often misjudged
- Risk is frequently detected after performance declines
Candela Cashflow Analytics SuiteTM Reveals the Real Story
How Does it Work?
- Using transaction data reveals verified income, recurring obligations, and discretionary spending from ACH, Debit Card, and Core Data transactions
- Monthly cash-flow patterns reveal stability and stress early
- Banks gain a clearer picture of true repayment capacity
- Delivers clear, explainable lending metrics two ways:
- Via API for Bank custom system integration
- Via large database ready files for mass-market targeting and overall analytical support
A Deterministic “No-Blackbox” Approach
Average Cash Flow: Indicates repayment capacity
Volatility Index: Measures the predictability of financial behavior
Trend Direction: Distinguishes short-term disruption from structural decline
Built for Responsible, Explainable Lending
Deterministic logic ensures consistent treatment across borrowers
Aligns underwriting with responsible banking principles, consistent with the CFPB and OCC guidance on fair and explainable use of alternative data
Uses objective, transaction-based data instead of inferred attributes
Candela Cashflow Analytics SuiteTM
Allowing lenders to…
- Confidently approve borrowers with stable cash-flow
- Adjust pricing, terms, and limits based on observed financial behavior
- Identify early deterioration before delinquency
Impacting the Banks…
- Revenue growth through better approvals and utilization
- Risk reduction via early-warning indicators
- Stronger customer relationships through fair decisions
Bridges the gap…
- Between credit scores and true financial behavior
- Empowers financial institutions to:
- Approve more credit-worthy borrowers
- Detect risk early Strengthen customer relationships with proactive
- Strengthen customer relationships with proactive engagement
Test Drive Your Data
With the power of CandelaTM and the IFM team your opportunities of cross-marketing your clients will grow!
Are you ready to schedule a demo? Set up a consultation to learn more about our services.
Have Questions? Give us a Call
Minneapolis Office
Phone: (815) 708-8981
Washington, DC Office
Phone: (703) 856-4060
Japan Office
Phone: +81-3-6861-7647
Cell: +81-90-9814-4248