SME financial health

Credit & risk insight

Get the full picture of an SMEs cashflow and financial situation with a view on balance trend changes.

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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.

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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.

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Credits and debits average

View the average difference between daily credit amount and daily debit amount over the selected period of time.

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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.

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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.

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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.

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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.

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Advanced credit & risk insights

Affordability

Assess how much your customer can afford to repay. Use enriched data to identify income, and fixed vs flexible spend.

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Affordability

Assess how much your customer can afford to repay. Use enriched data to identify income, and fixed vs flexible spend.

Income verification

Verify your customer's income across all income streams, whether it's salaried wages, freelance earnings or benefits.

Categorisation & classification

Cut through the noise of a bank statement and understand how and where your customers spend their money.

Emerging financial distress

Identify emerging financial distress to enable early intervention before your customer defaults.

SME financial health

See the balance trend of an SME’s accounts with a view on income, stability and fluctuations. View the money a business earns, spends and saves on a regular basis.

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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.

Connect

A guided user-interface to capture consent, verify and connect to bank accounts, and share transaction data.

Data APIs

The pipelines for transferring and accessing normalised bank data, from your customer's bank account into any platform.

Dashboard

An accurate, real-time view of your customer's financial data, enriched with intelligent credit & risk insights.

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Get started using open banking data

Talk with one of our specialists to find out more about using open banking data.

  • Demo of the guided customer consent journey

  • Walk through of our real-time data & insights

  • Coverage check in your markets