Term loans, underwritten on real cashflow.
Filed accounts are often over a year old. Credit Canary reads the live business account, categorises every pound of revenue and cost, and turns it into an evidenced lending decision in minutes, so you approve more good businesses and price risk on what is actually happening now.
The term-loan file, reimagined
The old way reads history. The AI way reads the present and decides.
- Filed accounts that can be 18 months stale
- Weeks of manual spreading and back-and-forth
- Thin-file and young businesses declined by default
- No visibility once the loan is on the book
- Live current-account cashflow via Open Banking
- Every transaction categorised, debt service coverage derived
- A trading business judged on real earnings, not filing age
- Live monitoring that flags revenue dips early
AI across the term-loan lifecycle
One platform that transforms every stage, from first touch to repayment.
Origination
Pre-qualify a business in minutes from a single consented connection, no document chase to begin.
Underwriting
Cashflow, seasonality and debt service coverage read straight from categorised transactions.
Decisioning
Companies House, director and Open Banking data resolved into one explainable decision.
Monitoring
Ongoing signals flag a revenue dip or late payers early, so you act before arrears.
The business account, turned into a decision
The same insight that powers our Open Banking work, applied to a trading business. A raw current-account feed becomes categorised revenue, costs and a coverage view, the real input a term-loan decision needs.
Insight from across the platform
Term-loan decisions draw on the same modules and Open Banking depth that run the rest of Credit Canary.
Open banking enrichment
How a raw feed becomes clean categories, income and risk.
Affordability assessment
Turning real cashflow into a sustainable lending decision.
Decisioning engine
Policy, data and models in one live, explainable decision.
Banking module
Connect business accounts and read categorised transactions.
Analytics
Portfolio trends and early-warning signals across the book.
All SME lending products
Term loans, revolving credit, invoice and asset finance, and more.
Underwrite your next term loan on real cashflow.
See how Credit Canary reads a live business account and returns an evidenced decision in minutes.