They underwrote on a tax return from last spring. The borrower invoiced yesterday.
Between reporting periods, a business borrower is mostly invisible. Statements arrive late, annually, and already stale. Finli runs those businesses' daily receivables inside the institution's brand, so what the credit team sees is current.
The data a borrower generates by getting paid
When a business invoices and collects through Finli, the record builds itself. Receivables aging, revenue concentration, payment velocity and settlement behavior are all byproducts of the business doing its own work, not a reporting request someone has to chase.
That makes it useful for the questions credit teams ask between reviews. Is this borrower slowing down. Is one payer becoming dangerous. Is the covenant test going to be a problem before it is a problem.
What it supports
Post-origination monitoring
Receivables aging and payment behavior updated as the business works, rather than at the next statement request.
Early warning
Deterioration that shows in collections before it shows in financials, surfaced for a human to review.
Concentration visibility
When one payer becomes an outsized share of a borrower's collections, the credit team can see it happen.
Readier files at renewal
Invoice and payment history in one place when it is time to renew or extend.
Monitoring, not underwriting
Finli does not make, score or decide credit. The institution does. We are deliberate about this line because it is where the regulatory weight sits: post-origination monitoring and early warning are a different matter from inputs to an origination decision, and your customers' compliance teams will want that boundary drawn clearly.
Nothing is sent to a borrower automatically. Suggested conversations wait in a queue for a banker to review.
Common questions
Whose brand does the borrower see?
What about borrower consent?
Does this replace financial statements?
How does a pilot work?
Tell us what your customers are asking you for
We’ll show you the platform in your partner’s brand and talk through what a pilot looks like with two or three of your institutions.