Practical writing for community bank credit officers, credit union lending teams, and CDFI practitioners.
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For community banks using nCino, Abrigo, or Finastra, the question is not whether cash flow analysis adds value — it is whether a new decisioning tool will integrate without a 12-month IT project. This post walks through the standard integration patterns for connecting a cash flow decisioning API to common community bank LOS platforms.
For a CDFI lender working with immigrant-owned businesses, recently-incorporated LLCs, and sole proprietors who have never held a credit card, the FICO score is close to useless.
Charlotte is home to two of the largest US bank holding companies, a Federal Reserve branch, and a growing cluster of fintech startups working on commercial lending, payment infrastructure, and credit analytics.
NCUA's member business lending cap and the concentration limits that come with a growing MBL portfolio create a staffing problem for credit unions.
A food distribution company with $80,000 in monthly recurring revenue, no NSF events in 18 months, and a FICO of 618 because of a 5-year-old personal medical collection.
A community bank loan officer reviewing 12 months of bank statements for a single SMB application can spend 4 to 8 hours on data extraction and categorization alone.
The OCC's guidance on bank-fintech relationships and more recent interagency statements on alternative credit data have created a clearer pathway for community banks to use cash flow analysis in underwriting.
For decades, community banks have relied on FICO scores and tax returns to evaluate small business borrowers. A growing number of credit officers are now supplementing that picture with 12-24 months of cash flow data.
No product pitches. Practical writing on cash flow underwriting, regulation, and community banking technology — when we have something worth saying.