Underwrite Small Businesses on What They Actually Earn - Not What They Can Prove on Paper
Prestatech turns SME bank transaction data into structured cash flow analytics, affordability assessments, and risk scores, so you can approve more businesses, faster, without increasing default exposure.
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From Bank Statements to Borrower Intelligence in Seconds
The Prestatech PLenD Report turns raw bank transaction data into a structured borrower profile covering annualised cash flow, affordability analysis, risk scoring, and fraud detection in a single output. Lenders get a complete picture: income vs. expenses, DSCR, business flags, and a proprietary pMark benchmark score, all extracted, categorised, and audit-ready without manual review.
SMEs make up over 99% of businesses in the EU and the US, but access to credit remains their biggest growth constraint. Limited credit history, missing financial documentation, and informal accounting practices mean that traditional scorecards consistently underestimate creditworthy small businesses. Lenders who can assess real cash flow instead of waiting for perfect paperwork will capture the segment. Those who can't will keep losing it to competitors who move faster.
Full cash flow visibility from raw bank data to lending-ready analytics.
Prestatech processes SME bank transaction data and delivers a complete financial picture your credit team can act on immediately:
Cash flow statement, an annualised, IFRS-style breakdown of incoming and outgoing cash flows by category. Revenue streams, operating costs, loan repayments, tax payments, and owner withdrawals are separated and quantified — giving your analysts the equivalent of a structured P&L derived entirely from bank data.
Affordability calculation, automatic computation of the maximum repayment the business can sustain before its debt service coverage ratio reaches zero. No manual spreadsheet work. No reliance on applicant projections.
Transaction categorisation, our multilingual engine classifies every transaction into standardised categories across income, expenses, transfers, and financing activity. Lenders get consistent, comparable data regardless of the applicant's bank, language, or accounting format.
Anti-fraud checks, every uploaded document is scanned for metadata manipulation, content inconsistencies, and cross-document mismatches before data enters your credit workflow.
Score any SME. From any data source. In seconds.
Prestatech's engine evaluates three dimensions of SME financial health, cash flow patterns, liquidity management, and financial stability, and delivers a composite 0–100 risk score:
Bank statement uploads, applicants upload PDF or image statements from any bank. Prestatech parses, validates, and scores in one step, no Open Banking connection needed.
Open Banking / PSD2 feeds, for businesses that consent to account access, transaction data flows directly into the scoring engine via API.
Your existing data lake, if you already store business transaction data, pSCORE integrates via API to score from your own records.
The result: you can score sole traders, micro-businesses, gig-economy operators, and newly formed companies that have zero bureau history — expanding your addressable market without compromising on risk assessment quality.
WHY SME LENDERS NEED TO USE PRESTATECH
Approve more businesses. Default less.
Transaction-level scoring identifies creditworthy SMEs that static bureau models miss. Lenders using Prestatech have approved 10–35% more applicants without increasing portfolio risk, while reducing losses by 15–40% through early detection of deteriorating cash flow.
Automate the manual work that kills SME throughput.
No more chasing financial statements, manually reviewing bank printouts, or building spreadsheets from raw transaction lists. Prestatech automates extraction, categorisation, and analysis, cutting days of back-office work to seconds.
One workflow for consumer and SME lending.
Prestatech uses the same platform, API, and data schema for both retail and SME applicants. No parallel infrastructure. No separate integration. Scale your SME book on the same stack that powers your consumer lending.
Explainable scores. Auditable decisions.
Every pSCORE is backed by dimensional sub-scores and the specific transaction patterns that drove them. Your risk team can inspect exactly why a business scored 74 versus 51, meeting regulatory expectations around transparency and fair lending.