SME financial health
Credit & risk insight
Get the full picture of an SMEs cashflow and financial situation with a view on balance trend changes.
Understand the financial heartbeat of an SME
Call the SME Financial Health API to see all of the money coming in and out of a business.
Understand what a business earns, spends an saves over a selected period of time.
Total credit amount
Identify the total inflow to the account for up to 365 days. See the value of all credit transactions alongside the total number of transactions.
Total debit amount
Identify the total outflows from the account for up to 365days. See the value of all debit transactions alongside the total number of transactions.
Credits and debits average
View the average difference between daily credit amount and daily debit amount over the selected period of time.
End of day balance (EODB)
Understand an SMEs cashflow with a complete view of EODB. View EODB highest and lowest value, alongside EODB consistency and variability.
Accurate data
Open banking data comes directly from banks and financial institutions. The data is real-time, accurate, and representative of an SMEs current financial position.
365 days of data
Get a comprehensive view an SMEs cashflow over a period of 365 days, with the ability to refresh for a further 90 days.
Use transaction data from any source
Use our engine on your own data
Input transaction data from any source. If you already have a data set, or currently access open banking data, plug in to our income verification engine and we'll return the income data you need to make confident decisions.
We can categorise and classify transaction data from any source. If you already have a data set, or currently access open banking data, plug in you data to our engines and we'll return the categorised transactions.
Advanced credit & risk insights
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Our platform
The DirectID platform gives you all the tools you need to capture consent, access transaction data and view detailed insights on your customer's financial behaviours.
Get started using open banking data
Talk with one of our specialists to find out more about using open banking data.
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