Automate cash-flow facilities and term loans under one policy

Some files use a bank feed, and others take weeks of evidence. Decisimo runs both under one policy your credit team edits.

Start free See the decision flow

One credit policy for facilities and term loans

Two lending routes

A facility runs in one call, and a term loan runs as a case

Shared policy logic

Both routes use rule sets and scorecards your credit team edits

Turnover checks

Rules test sales against bank receipts and check for round tripping

Debtor concentration

The largest debtor's share feeds the facility limit table

Corrected accounts

A correction reruns reading tasks and creates new review tasks

Source failure handling

Failed sources are flagged, and unreadable turnover goes to a person

A cash-flow facility, from application to advance rate

  1. Application data

  2. Data sources

  3. Turnover integrity

  4. Debtor share and cover

  5. Behaviour score

  6. Facility limit

  7. Term loan case

The facility decided by a flow the credit team edits

  • Sources togetherThey run together, and the flow waits for the slowest source
  • Statement checksRules inspect each statement line. Round tripping has its own check.
  • Source failuresA failed source is absent and flagged. Unreadable turnover goes to a person.
Decision flow links bank feed and ledger to turnover checks, debtor share, repayment cover, behaviour and facility limit
SME cash-flow facility runs from Bank feed and ledger to Facility limit in one decision flow.

The facility limit as rows the credit team edits

  • Four conditionsEach row writes a decision, an advance rate and a plain-language reason.
  • Last match winsThe catch-all is row one, referring unmatched cases to a person
  • New releaseEdit a threshold in its row, then deploy a new release
Facility limit decision table matches behaviour score, debtor share and repayment cover to refer, decline or approve outcomes
Facility limit has seven rows that refer, decline or approve with an advance rate.

A term loan to a group, worked as a case

  • Tasks by evidenceEach task runs when its evidence is on the file
  • Corrected documentsTasks that read it run again. Dependent reviews return as new tasks.
  • Shared policy logicCase tasks run the facility's rule sets and scorecards as saved when published

See case management

Facility assessment task for a UK limited company runs when a score is filled and lists four possible decisions
Commercial facility, UK limited company, shows Facility assessment deciding over limit, inactive, score below policy or adequate.

Test a change, then release it

  • Testing studioChosen values show each output, with external calls switched off
  • Impact analysisReplay past decisions through a changed version to see which outcomes would change
  • Release controlAn endpoint can require sign-off before a release is deployed.

Endpoint and release practice

The record the lender keeps

  • DORAIts obligations have applied since January 2025.
  • Decision recordsYour Postgres can hold inputs and outputs. The case trail records runs.
  • Lender's decisionDecisimo produces evidence. The lender assesses its obligations.

DORA and AI Act records

What stays with the lender

  • Demo caseEvery pictured threshold, rate, score and company belongs to it
  • Lender's policyDecisimo runs it on data the lender supplies
  • Human decisionsA person decides on referrals and at credit committee

Questions we get asked

What is an SME lending decision engine?

An SME lending decision engine runs a lender's credit policy on application data and returns a decision. Decisimo runs the cash-flow facility as one decision flow and uses the same rule sets and scorecards in a case.

How can I check for round tripping in a bank statement?

A rule set can check statement lines for money paid in and sent back out within a few working days, matched to a tolerance. See round-tripping checks

What happens if filed accounts are corrected after review?

Tasks that read the corrected document run again. A review that depended on it returns as a new task.

How can I automate invoice finance approvals?

The facility limit table applies the credit team's conditions and returns a decision, an advance rate and a reason. Read about factoring approvals

Bring both credit routes under one policy

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