See connected exposure
Understand who and what is linked to the deal. Keep supported relationships, candidate matches, and unresolved questions distinct.
Amlok INSIGHTS / UNDERWRITINGUnderwrite
Underwrite
the whole ecosystem.
Connect the applicant to the people, accounts, income, obligations, and counterparties that shape the deal. Give business, consumer, and insurance teams the context to make a well-informed decision.
Connected evidence. Reviewable reasoning. Your decision.
BEYOND THE APPLICATIONCONNECTED CONTEXT
The context that shapes the deal.
BUILD THE PICTURE WITH
- Banking
- Payments
- Commerce
- Accounting
- Documents
- Permitted external evidence
THE ECOSYSTEM VIEWA deal is a network
A deal is a network
of relationships.
The application introduces the customer. Their accounts, income sources, commitments, and counterparties explain how the financial relationship works. Amlok helps you bring those connections into the assessment, within the evidence you are authorized to use.
Reconcile the financial story
Follow activity across records and systems. Separate new economic activity from transfers, financing, and duplicate representations.
Make the reasoning reviewable
Keep source records, calculation inputs, and policy context close to each finding so your team can examine the case.
BUILT FOR YOUR UNDERWRITING DESKDifferent deals.
Different deals.
The context each one deserves.
Explore the questions, relationships, and evidence that matter to your team.
SMB · COMMERCIAL · MERCHANT FINANCE
Understand the business behind the balance sheet.
Bring bank activity, payments, accounting, and commercial relationships into the same assessment. Review how money is earned, where it moves, and which obligations compete for it.
- Revenue quality
Separate operating receipts from transfers and financing. Reconcile sales, refunds, processor settlements, and deposits.
- Capacity & resilience
Examine liquidity, seasonality, debt service, and customer concentration within a consistent observation window.
- Connected exposure
Review supported ownership, related businesses, guarantors, and security interests with their evidence attached.
CONNECTED CONTEXTILLUSTRATIVE
Customer invoiceProcessor settlementBank receipt
One economic event can appear in several systems. Reconcile the records before measuring capacity.
FROM RECORDS TO UNDERSTANDINGMake the evidence
Walk through your evidence workflow
Make the evidence
work together.
Give underwriters a consistent financial view assembled from the agreed sources. Document interpretation and reconciliation become part of the same analysis, with the underlying evidence available for review.
Know what is in the file.
Establish the evidence window, source coverage, and missing inputs before treating a file as complete.
Understand what a transaction represents.
Examine income, operating activity, transfers, financing, and obligations in the context of related records.
Keep discrepancies visible.
Surface conflicting values and uncertain matches as review questions, with the source and scope attached.
RECONCILIATION / ILLUSTRATIVE
CommerceOrder placedSource record 01
PaymentsSettlement issuedSource record 02
BankingDeposit receivedSource record 03
ONE ECONOMIC EVENTFollow the money.
Preserve the evidence.
Preserve the evidence.
Linked records · Reconciled cash flow
CAPACITY IN CONTEXTUnderstand what
Understand what
changes the answer.
A base-case cash-flow figure is one part of the assessment. The assumptions behind it matter just as much: collection timing, income variability, operating costs, and the obligations that still need to be paid.
This simple business example shows how a change in receipts affects cash available for debt service. Move the slider to inspect the relationship.
- Explicit inputs and a consistent period
- Calculations your team can inspect
- Assumptions separated from observed facts
BUSINESS CASH FLOW / ILLUSTRATIVECAD / MONTH
Base case30% reduction
Eligible receipts$100,000
Operating outflows$70,000
Scheduled debt service$15,000
Cash-flow coverage proxy2.00×
Cash remaining after debt service$15,000
Change an assumption. Inspect the calculation.
(Receipts − operating outflows) ÷ scheduled debt service. Costs and debt payments are held constant. This mechanical example is not a forecast, approval rule, or model performance result.
ONE CONNECTED WORKFLOWFrom the first record
From the first record
to the next review.
Give every stage a clear purpose, a defined scope, and an output the next person can use.
STEP 01 / Prepare
Define the deal
Agree the subject, product, evidence window, and required output. Confirm permissions and identify what is ready, missing, or outside scope.
Begin with a clear boundary for the assessment.Evidence readinessExample
- Application scope
- Defined
- Authorized sources
- Recorded
- Coverage gaps
- Visible
Amlok INSIGHTS / ILLUSTRATIVE OUTPUT
for your next decision.
CapacityIncome, cash flow & obligationsSupporting calculations
RelationshipsEntities, accounts & counterpartiesLinked evidence
Policy contextCriteria, conditions & exceptionsInstitution-defined
OPEN QUESTION
Confirm the supporting evidence for an unresolved obligation.
BUILT FOR UNDERWRITER REVIEWA clear assessment.
Walk through an underwriting assessment
A clear assessment.
A traceable decision.
Insights produces the structured findings and underwriting summary or credit memo agreed for your workflow. Your team can examine the result against its own policy, risk appetite, and product requirements.
Evidence and calculations
Follow an observation back to the records and inputs that support it.
Exceptions and open questions
Identify the information that still needs confirmation and the conditions that require judgment.
A preserved assessment
Keep the evidence snapshot and original reasoning available for future review.
INSIGHTS + SIGNALKeep the context
Keep the context
after the decision.
The original assessment becomes a starting point for monitoring. Amlok Signal compares permitted new evidence with that baseline, surfaces changes for review, and preserves the history behind the relationship.
Explore portfolio monitoringInsightsOriginal assessment
SignalChange in context
Your team decides when and how to act.
Bring the assessment into your operating model.
Start with a defined underwriting use case, agree the sources and outputs, and connect the results to your team’s existing systems.
What does it mean to underwrite the ecosystem?
It means examining the applicant or exposure together with the financial relationships that affect it: accounts, income sources, obligations, counterparties, ownership, and relevant agreements. The scope is defined by the deal and the evidence your institution is authorized to use. A possible relationship remains a question for review until the evidence supports it.
What does Amlok Insights produce?
Insights organizes and reconciles evidence, analyzes financial and risk information, and produces the structured findings and underwriting summary or credit memo agreed for your workflow. A completed assessment is tied to an evidence snapshot, so your team can review the supporting records and the questions that remain open.
Can we use it for business, consumer, and insurance-related assessments?
The assessment should be configured for the specific product and available evidence. Business and consumer workflows use different financial definitions and policy criteria. For insurance-related use cases, discuss the required financial-risk scope for trade credit, surety, or premium finance with us. Coverage, actuarial pricing, policy administration, and claims handling remain with your institution and its systems.
Which data sources can we bring together?
The agreed workflow can combine supplied documents, banking, payments, commerce, accounting, and other eligible sources. Availability depends on provider access, permissions, coverage, and integration arrangements.
Does Amlok make the final decision?
Your institution owns its policy, risk appetite, approval or decline, and any customer communication. Amlok supports the analytical work with findings, calculations, evidence, and reviewable exceptions. Recommendations and policy observations remain distinct from the institution’s final decision.
How does underwriting connect to ongoing monitoring?
A completed Insights assessment can become the baseline for Amlok Signal. Signal compares permitted new evidence with that baseline and can reassess material changes while preserving the original assessment. Change-driven reassessment is included in Signal; a separately requested new full underwriting is an Insights run.
How is a completed underwriting priced?
Insights is priced per completed underwriting for one application and an agreed evidence snapshot. Standard, Advanced, and Complex tiers reflect the workload and scope. Agree the evidence limits and required outputs before processing. See our pricing page or discuss your workflow with the team.
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