Be first call when your customers need more.
Lending again to customers you already know is your cheapest growth. Earlier sight of stress protects the book. Both depend on hearing from customers between drawdown and renewal.
Lend again, earlier
Customers see their own funding need weeks ahead, and the case comes to you first, with a live forecast and ledger evidence. No acquisition cost, no comparison site.
Early warning on the book
Green, amber and red across every connected customer, with the reason and the week it bites, before it shows in account conduct or arrears.
Stay in the customer’s week
A daily verdict under your brand keeps you present between drawdown and renewal, for reasons the owner values.
See a significant increase in credit risk before it becomes arrears.
Under IFRS 9, the move to Stage 2 turns on a significant increase in credit risk. In SMEs, that increase usually shows in forward cashflow first: a large debtor slowing, a VAT quarter landing in a dip, payroll running tight. Backward-looking data catches it late.
Consented 13-week forecasts and alerts give your credit and relationship teams that forward view, as one more input to your own staging and monitoring. We built the IFRS 9 programmes; we know a signal has to be explainable, traceable and governed.
Start small, measure, then decide.
A fixed fee over three to six months on a defined segment of your book, with success measures agreed before we start. It converts to a licence only if the measures are met.
A typical pilot
- A segment of existing customers on Xero
- Your branded platform and portal, live in weeks
- Advisor-led onboarding with your relationship team
- Weekly report: connections, active use, alerts, conversations
- Clear data roles and customer consent from day one
What credit and partnership leads ask
Does this replace our credit models or data providers?
No. We don’t compete on data or underwriting. The platform gives your customers a reason to share live, forward-looking cashflow with you, which sits alongside your existing models and bureau data.
How does this help with IFRS 9?
A significant increase in credit risk often shows in forward cashflow weeks before arrears. Consented forecasts and alerts give your teams earlier sight of stress, as one input to your own staging and monitoring. Your models and policies still decide.
Which customers should we start with?
Most lenders start with a segment of customers already funded: for example, a cohort of term-loan or revolving-credit customers on Xero. That shows engagement and early warning on a known book.
What would a pilot measure?
Agreed up front. Typically: share of customers connected and opening their verdict weekly, alerts raised and how early, and repeat-lending conversations started.
Explore a paid pilot.
A defined segment, a fixed term and success measures agreed up front.