Cash-flow intelligence

Understand the cash.
Explain the capacity.

Turn authorized banking, payment, commerce, and accounting records into a financial view your team can inspect. Reconcile the movement before measuring income, liquidity, and repayment capacity.

Discuss your cash-flow workflow Explore the examples

Connected evidence. Explicit boundaries. Your decision.

RECONCILIATION / ILLUSTRATIVE

CommerceOrder placedSource record 01

PaymentsSettlement issuedSource record 02

BankingDeposit receivedSource record 03

ONE ECONOMIC EVENTFollow the money.
Preserve the evidence.

Linked records · Reconciled cash flow

Connect the records before counting the revenue.

FROM EVIDENCE TO REVIEW

Banking & payments
Commerce & accounting
Obligations & agreements

THE QUESTION BEHIND THE WORKFLOW

A deposit is a movement. Its meaning needs context.

Sales, transfers, borrowed funds, refunds, and settlements can all appear in cash records. Assess the economic activity behind them so the resulting measures reflect a defined question, period, and evidence set.

Reconcile first

Connect source records representing the same economic event before counting receipts or obligations.

Define the measure

Make the currency, period, denominator, and treatment of exclusions explicit for every calculation.

Keep unknowns visible

Incomplete accounts, unresolved inflows, and missing liabilities are evidence gaps, not zero values.

EXPLORE THE EVIDENCE

A clearer view of
the question at hand.

Switch between practical examples to see the observation, supporting records, and questions that matter before reaching a conclusion.

ILLUSTRATIVE EVIDENCE REVIEW

Not every dollar arriving is operating income.

A fictional business has CAD 120,000 of monthly inflows: CAD 80,000 in supported operating receipts, CAD 25,000 in evidenced own-account transfers, and CAD 15,000 in financing proceeds.

Questions for the review

Retain the evidence supporting each exclusion.
Do not classify unresolved deposits as income by default.
Check account and channel coverage before comparing periods.

THE RECORDS IN CONTEXT

01Total observed inflows: CAD 120,000
02Transfers + financing excluded: CAD 40,000
03Eligible operating receipts: CAD 80,000

REVIEWABLE FINDINGOperating receipts: CAD 80,000 for this defined window

Fictional example. Evidence requirements and conclusions depend on the agreed workflow.

BUILD THE PICTURE

Bring the right evidence
into the same context.

Agree the sources, permissions, observation window, and required output for your product. Keep coverage limitations attached to the analysis.

Banking & payments

Account activity, balances, processor payouts, refunds, reserves, and payment evidence where authorized.

Commerce & accounting

Orders, invoices, financial statements, receivables, and payables that help explain the activity behind cash movement.

Obligations & agreements

Lender-supplied schedules and permitted liability evidence to distinguish payment observations from contractual commitments.

Source availability depends on the connection and authorized scope. A missing record is not evidence that the underlying activity or obligation does not exist.

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A DEFINED PATH THROUGH THE ANALYSIS

From a starting question
to a reviewable finding.

01
Prepare
Define the subject, period, currency, and evidence coverage.
02
Reconcile
Connect deposits, payouts, transfers, and source records without counting the same event twice.
03
Calculate
Apply the agreed eligibility rules and deterministic formulas to supported inputs.
04
Explain
Return the measures with contributing evidence, exclusions, missing inputs, and context for review.

The workflow supports your institution’s process. Agree responsibilities, output requirements, and review boundaries before connecting it to operational actions.

REVIEW PACKAGE / ILLUSTRATIVE

Cash-flow intelligenceEvidence stays
with the finding.

Income & receiptsExamine recurrence, variability, seasonality, and the source of eligible inflows.

Capacity & liquidityReview residual cash, known debt service, available balances, and timing mismatches within the covered evidence.

Concentration & qualityInspect resolved counterparties, refunds, settlement differences, and unresolved value using consistent definitions.

Institutional review and decision authority

BUILT FOR THE PEOPLE DOING THE REVIEW

A financial measure your team can question.

Useful cash-flow intelligence goes beyond a category label. Preserve what was counted, what was excluded, and which gaps could change the interpretation.

Business lenders

Assess cash generation across SMB, commercial, and merchant-finance workflows without confusing financing proceeds with revenue.

Consumer lenders

Review income, commitments, and monthly buffers using definitions appropriate to personal, auto, mortgage, or other credit.

Portfolio & specialty finance

Compare supported financial changes over time and examine the cash implications of receivable or payment delays.

Discuss your cash-flow workflow

CONNECT THE NEXT QUESTION

One intelligence layer.
Connected work.

Amlok Insights

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.

Risk simulation

Explore the what-if. Understand the impact.

Explore how changing income, costs, payment timing, and connected exposure could affect a financial assessment. Keep the evidence, assumptions, and trade-offs visible before your team decides.

Amlok Signal

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.

PLAN THE WORKFLOW

Questions worth
working through.

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Is cash flow the same as accounting profit?

No. Cash movement and accrual accounting measure different things. Bank outflows alone do not establish EBITDA, and a cash-flow coverage proxy is not interchangeable with a covenant’s contractual DSCR definition.

How are transfers and loan proceeds treated?

Supported own-account transfers, financing proceeds, reversals, and duplicate economic events should be excluded from operating receipts according to the agreed definition, while retaining their source evidence.

What if debt or account data is missing?

The limitation remains explicit. No observed debt payment in connected accounts does not prove there is no debt. A ratio without a supported denominator is unavailable rather than invented.

Can the analysis cover consumer and business lending?

Yes, the workflow should be configured for the product. Household net income and essential expenses differ from business operating receipts and outflows. Evaluate each within its own evidence and policy definitions.

Can I explore a change in receipts or costs?

The risk simulation page provides transparent fictional sensitivity examples. Discuss the scenario method and delivery scope for your actual workflow with Amlok.

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.

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A barista handing a coffee to a customer across a wooden café counter, with pale brick walls and cool natural daylight.

Understand the cash.Explain the capacity.