Atto Business Financial Health API
SME financial wellness scoring using real-time cashflow signals.
Business Financial Health is a cashflow-based underwriting solution designed to help lenders, fintechs, and financial institutions assess the financial stability and affordability of SMEs using real banking transaction data. By analyzing cashflow activity directly from business bank accounts, the solution delivers a clearer, more dynamic understanding of a company’s financial behaviour than traditional credit assessments alone. Small businesses often struggle to access financing due to limited credit history, lack of collateral, or outdated financial information. Traditional underwriting models may fail to provide an accurate picture of a company’s real-time financial condition. Business Financial Health addresses this challenge by transforming raw transaction data into structured financial insights that support faster, more reliable lending decisions. The solution analyzes up to 365 days of transaction history and current account balances to calculate key financial health indicators across multiple time periods, including 30, 60, 90, 180, and 360 days. These insights help lenders evaluate income stability, expense behaviour, liquidity, savings patterns, and overall loan affordability. Please note that prerequisite UI configuration is required before invoking an API from FICO Platform. Please see Atto Platform document under Deliverables to see integration details.
Features
Benefits
Features
Cashflow-Based Underwriting Analysis
Analyzes real banking transaction data to assess SME financial health beyond traditional credit scoring models.Multi-Period Financial Calculations
Provides financial metrics across multiple timeframes including 30, 60, 90, 180, and 360-day periods.Net Cash Flow Analysis
Measures the difference between inflows and outflows to determine business liquidity and financial resilience.End-of-Day Balance Stability Metrics
Calculates balance consistency, variability, and coefficient of variation to evaluate financial stability over time.Benefits
Improved SME Underwriting Decisions
Faster Loan Approval Processes
Complements Traditional Credit Models