01
Reconcile the operating evidence
Link sales, invoices, settlements, and bank receipts without counting the same economic event twice.
Business LendingUnderstand the business.
Understand the business.
Connect the ecosystem.
Follow how a business earns, collects, spends, and meets its obligations. Connect financial records and supported relationships so the assessment reflects the operating reality behind the application.
Explore your segment
CONNECTED EVIDENCEOperating context connectedSources · relationships · obligations
INSTITUTION REVIEWYour policy. A fuller picture.Findings with supporting evidence
BUILT FOR YOUR SEGMENTDifferent commitments.
Different commitments.
Different questions.
Choose a segment to explore the evidence, financial relationships, and changes that matter to the review. The analytical scope follows the product and the information your institution is permitted to use.
Business Lending / SMBRead the smb guide
Turn fragmented records into a business story.
Reconcile banking, accounting, and commerce evidence to understand operating receipts, liquidity, and debt commitments. Keep owner transfers and new financing distinct from trading revenue, and make seasonality visible.
Bring the evidence together
- Operating receipts and settlement records
- Scheduled debt and owner draws
- Customer and channel concentration
Keep watching
Receipt deterioration, liquidity pressure, and changing customer dependence.
SMB / REVIEW CONTEXTIs the business generating the cash its commitments require?
ACROSS THE RELATIONSHIPFrom the first assessment
From the first assessment
to the next review.
02
Connect commitments and relationships
Review facilities, guarantees, counterparties, and defined coverage measures against supplied terms.
03
Keep the baseline useful
Follow new evidence against the assumptions supporting the original assessment.
INSIGHTS
Understand the assessment.
Bring the agreed evidence snapshot, supported calculations, and findings into a reviewable underwriting context.
Explore underwritingSIGNAL
Follow what changes.
Monitor existing relationships and reassess permitted new evidence against the baseline, with source limitations visible.
Explore monitoringGO DEEPER BY SUBSEGMENTPractical guidance.
Practical guidance.
Grounded in the evidence.
Explore the detailed guides for Canada and the United States, including dated market context, assessment methods, implementation considerations, and source references.
INDUSTRY GUIDE
SMB
Is the business generating the cash its commitments require?
Read guideINDUSTRY GUIDECommercial
Where does exposure sit across the obligor, group, and facility?
Read guideINDUSTRY GUIDEBusiness financing
Does the financing structure fit the business’s cash-conversion cycle?
Read guideINDUSTRY GUIDEMerchant cash advance
What does the agreement require as merchant receipts change?
Read guideDESIGN THE RIGHT SCOPEStart with your product.
Start with your product.
Define a useful review.
Agree the evidence sources, jurisdiction, product definitions, and decision responsibilities before implementation. Test missing information and exceptions as carefully as completed assessments.
Can bank inflows be treated as revenue?
Not automatically. Financing, internal transfers, refunds, and settlement timing need to be distinguished from supported operating receipts.
Does one coverage ratio work for every business product?
No. Use the agreement’s definitions and the relevant evidence. Cash-flow coverage, EBITDA-based DSCR, remittance burden, and borrowing-base availability are different measures.
How should we interpret market data and examples?
Public market observations provide context, not an Amlok performance claim or a universal approval threshold. Preserve geography, reporting period, product population, and denominator when comparing results. Page illustrations are fictional.
CONTINUOUS RISK INTELLIGENCE
Keep up with riskas fast as it changes
A point-in-time decision does not need to become a blind spot for the life of the deal.
Early signalRevenue trend changed-18% against baseline
Portfolio baseline90 daysContinuously refreshed
Monitoring activeRisk trajectory updatedEvidence attached · team notified