Follow financial change
Review changing income, operating receipts, liquidity, obligations, and payment patterns within the agreed scope.
Amlok SIGNAL / PORTFOLIO MONITORINGRisk keeps moving.
Risk keeps moving.
Stay connected.
Follow changing cash flow, obligations, and financial relationships after the original decision. Amlok Signal connects new evidence to the underwriting baseline so your team can review what matters.
Evidence-led monitoring. Your team decides how to act.
Amlok SIGNALILLUSTRATIVE MONITOR
CONNECTED CONTEXTRisk keeps moving.
CHANGE FOR REVIEWNew evidence. Original context.
Compare the change. Keep the history.
Baseline + supporting records
FOLLOW THE RELATIONSHIP
- Cash flow
- Income
- Obligations
- Counterparties
- Source health
- Changing exposure
AFTER THE ORIGINAL DECISIONThe assessment is a baseline.
The assessment is a baseline.
The relationship keeps evolving.
Customers earn, spend, borrow, and trade after funding. Signal brings new evidence back to the original assessment so portfolio teams can examine changing capacity and connected exposure with the history in view.
Keep the relationships
Understand a change alongside the accounts, counterparties, and agreements that give it meaning.
Bring evidence to the review
Carry the observation, baseline comparison, and supporting records into the next assessment.
EXPLORE A CHANGEWhat changed?
What changed?
Start with the evidence.
Explore four illustrative monitoring situations. Each separates the observation from its interpretation and the checks needed before action.
Business cash flowILLUSTRATIVE
Monthly eligible receipts
BaselineCAD 100,000
New evidenceCAD 80,000
BASELINE WINDOW−20%
Financial change to review
Illustrative CAD values; not a forecast or an approval threshold.
FROM OBSERVATION TO REVIEW
Receipts change. Commitments remain.
- What changed
- Eligible receipts fell from CAD 100,000 to CAD 80,000 across two comparable monthly windows.
- Why review it
- Review whether the change persists and how it affects cash available for scheduled obligations.
- Confirm all relevant accounts and sales channels are covered.
- Compare seasonal patterns, settlement timing, and refunds.
- Review operating costs and scheduled debt payments together.
YOUR PORTFOLIO. YOUR CONTEXT.Built around the relationships
Built around the relationships
your team manages.
Different products need different signals, observation windows, and review criteria.
Follow the operating business after funding.
Connect cash generation, obligations, and commercial relationships as they evolve across SMB, commercial, and merchant-finance portfolios.
- Cash flow & liquidity
Review changing receipts, operating outflows, balances, and debt-service capacity.
- Revenue quality
Examine refunds, chargebacks, settlement differences, and the sources of deposits.
- Relationships & concentration
Follow supported customer, supplier, guarantor, and related-entity exposure within the agreed scope.
CONNECTED MONITORINGILLUSTRATIVE
Monitor the evidence your institution is authorized to use. Your team determines the response.
A CONTINUOUS REVIEW LOOPKeep the baseline.
Keep the baseline.
Understand the next change.
Signal combines existing underwriting evidence with new information. Relevant changes can prompt reassessment within Signal while preserving the original assessment.
- 01
Establish
Define the borrower or business, the evidence baseline, authorized sources, and the monitoring scope.
- 02
Observe
Process new evidence as it becomes available through the agreed source and synchronization schedule.
- 03
Reassess
Compare affected findings with the baseline. Examine material changes, exceptions, and evidence limitations.
- 04
Review
Bring updated findings, summaries, and alerts to the institution’s review process. Your team decides the next step.
Change-driven reassessment is included in Signal. A detected event does not automatically trigger another Insights underwriting charge.
VISIBILITY IS PART OF THE PICTUREKnow what changed.
Explore data freshness
Know what changed.
Know what you can see.
An overdue data refresh and a fall in revenue require different responses. Keep source coverage and freshness alongside the financial interpretation.
Source timing
A provider notification, a successful synchronization, and an underlying business event are different moments.
Comparable evidence
Review consistent periods and definitions. Account for seasonality, transfers, reversals, and corrected records.
A qualified conclusion
Keep missing coverage and uncertain relationships visible. Restore evidence before treating a gap as a financial signal.
SOURCE HEALTH / ILLUSTRATIVE
Two observations.
Two different reviews.
Comparable evidence is available.
Review financial contextThe latest financial position is incomplete.
Restore evidence coverageMONITORING REVIEW / ILLUSTRATIVE
can work with.
01
Original assessment
Baseline evidence and conclusions
02
New observation
What changed and when it became known
03
Updated findings
Affected assumptions and open questions
04
Institution review
Your policy, judgment, and response
FROM SIGNAL TO A USEFUL REVIEWGive your team context.
Walk through a monitoring review
Give your team context.
Keep the history intact.
Monitoring summaries and updated findings help teams understand the change without losing the reasoning behind the original decision.
Portfolio risk teams
Assess the relationship between changing financial conditions and the exposures you already hold.
Relationship & servicing teams
Use current, permitted evidence to prepare a review or customer conversation.
Credit & oversight teams
Trace findings to the baseline and new records. Review what was known at each stage.
START WITH YOUR OPERATING MODELConnect the portfolio.
Connect the portfolio.
Define the review.
Agree the monitored population, available baseline, permitted sources, and required outputs. Set the refresh expectations and the responsibilities for reviewing findings before rollout.
Scope the portfolio
Identify the borrowers or businesses, products, facilities, and evidence needed for the monitoring workflow.
Connect the evidence
Confirm permissions, source coverage, synchronization, and how evidence gaps will be handled.
Agree the response
Define who reviews findings and how the institution records its decision and any follow-up in its own systems.
One connected view, from underwriting to monitoring.
Use Insights to establish the assessment and Signal to follow relevant change. Explore the API and available integrations for your workflow.
What does Amlok Signal monitor?
Within the agreed scope, Signal processes new evidence from authorized sources, compares it with an existing underwriting baseline, reassesses relevant changes, and produces updated findings, monitoring summaries, and alerts. The source coverage and financial definitions depend on your product and workflow.
How frequently does information update?
Timing depends on when the source publishes a change, the provider’s refresh capabilities, and the synchronization agreed for your connection. Event notifications, scheduled reads, and on-demand workflows have different timing. A successful read of cached data does not mean the underlying source refreshed.
Does every alert trigger another underwriting charge?
No. Change-driven reassessment using existing and new evidence is included in Signal. A detected event does not automatically execute or charge for Insights again. A separately requested new full underwriting for a new application or assessment scope is an Insights run.
Can Signal monitor an existing portfolio?
Signal is designed for existing portfolios. Start by agreeing which borrowers or businesses are in scope, the baseline evidence available, the authorized sources, and the required monitoring output. The onboarding workflow establishes what is ready and what needs to be completed.
What happens if a source stops updating?
A stale feed, expired permission, or incomplete refresh is an evidence-quality issue. Keep that limitation visible, identify affected findings, and restore the connection through the agreed process. Lost visibility should not be presented as proof of financial deterioration.
Does Signal make servicing or coverage decisions?
Your institution determines how to act. Amlok supplies analytical findings and evidence for review. Changes to limits, terms, customer communications, coverage, pricing, claims, or servicing actions remain with your team and its systems.
How is monitoring measured for pricing?
Signal counts an active borrower or business once per workspace per calendar month, rather than charging separately for every account, facility, check, or alert. The combined workload determines the agreed Standard, Advanced, or Complex tier. See pricing for current rates and payment terms.
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