Credit decisioning built on cash flow data

Real-time cash flow intelligence for consumer and SMB lending. Approve more, lose less, decide faster.

Beyond static financials and stale bureau pulls

Prestatech layers real-time cash flow scores and insights on top of the data credit teams already use (bureau, registry, financial statements), giving lenders a live view of income, liquidity, and repayment behavior across consumer and SMB portfolios.

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Purpose-built for SMBs, not customer scoring stretched to business.

SMB underwriting is inherently complex. It requires many different documents (income statements, balance sheets, bank statements) and the underlying business can change very quickly, making it hard to assess accurately and often unprofitable for banks to serve at scale.

Give credit analysts every signal that matters in seconds

1
Multidimensional assessment
Automatically validate and combine every data stream in a single decision: financial documents, bureau and registry data, and real-time cash flow.
2
Instant data ingestion
Ingest bank statements, Open Banking feeds, or your own data lake into a single normalized transaction layer.
3
Proprietary cash flow score
A 0–100 financial health score built on cash flow, liquidity, and stability signals, refreshed in real time.
4
Adjustable credit policy
Banks set and modify decision rules per product and segment, without code changes.
5
Back-testing and simulation
Replay historical applications against new data sources or rule changes before going live.
6
Fully auditable decision
Rationale captured at every step for a complete audit trail. Aligned with the European Banking Authority (EBA) guidelines and the EU AI Act.

Data that speaks. Clear trends and patterns. Precise decisions.

Assess real-time affordability.
Understand income consistency and recurring obligations to evaluate what borrowers can realistically afford.

Spot early warning signals.
Detect instability, irregular cashflows, or high-risk behaviors before they impact portfolio performance.

Segment and score with context.
Use behavioral data to create more accurate, personalized risk profiles—built on actual patterns, not assumptions.

Act faster, with better data.
Make decisions in minutes, not days, using enriched insights that update as customers’ situations evolve.

Purpose-built for SMBs, not customer scoring stretched to business

Use Cases

One Platform, Multiple Business Outcomes

Whether you're scaling origination, tightening risk controls, or automating back-office operations — Prestatech adapts to how your team works.

Grow Originations

Say yes to more borrowers — including thin-file and SME applicants — with cashflow-based scoring that goes beyond traditional credit bureau data.

Reduce Portfolio Losses

Identify early warning signals before they become defaults. Transaction-level monitoring and predictive analytics give your risk team a real-time view.

Automate Credit Operations

Replace manual document review, spreadsheet-based analysis, and fragmented data pipelines with a single, API-driven platform.

Accelerate Onboarding

Turn days of back-and-forth into a seamless digital experience. Automated document capture and instant data extraction mean faster answers.

Strengthen Compliance

Every decision is traceable. Full audit logs, explainable scores, and structured outputs built to meet the transparency standards regulators expect.

Monitor & Pre-Score at Scale

Run batch cashflow analysis across your entire portfolio. Detect deterioration, identify upsell opportunities, and re-score with fresh data.

See how it works