Business profile

Business Profile gives you a complete view of a business's history with your organization, all in one place in the Dashboard. When you open a business, you can see the addresses with Google Maps and Street View, NAICS classification, application velocity, market-wide loan inquiries, and associated bank accounts. Everything your underwriting team needs to make a confident lending decision is available in a single view.

This page covers the following sections:

Key benefits

When to use it

Use Business Profile when you are working in the Ocrolus Dashboard and need to:

• Review a repeat borrower: A merchant has submitted more than one application and you need a single view of their full history with your organization before making a decision.
• Verify a business location: You want to confirm a business operates where it claims to using Google Maps and Street View, without leaving the Dashboard.
• Spot stacking risk quickly: The Application velocity widget gives you an at-a-glance count of applications across six time windows, so you can identify unusual borrowing patterns without pulling a report.
• Check market-wide loan activity: You need to see how many times a business has appeared in loan applications across the Ocrolus network, not just your organization.
• Audit a borrower's document history: You need to find a specific document or statement across multiple Books without opening each one individually.
• Override an incorrect industry classification: The NAICS code on file for a business is wrong and you need to correct it before it affects downstream decisioning.

Navigate to Business Profile

The Ocrolus Dashboard offers two views: the Books view (the default) and the Businesses view (Business Profile).

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Business Overview page

The Business Overview page gives you a consolidated view of a business's identity, location, industry, and borrowing activity. Use it as your starting point when reviewing a borrower in the Dashboard. This consolidated view shows the business name and date range at the top, followed by a summary card showing first and most recent application dates, application count over the last 365 days, and total applications over time.

The Addresses section lists all addresses on file, with Map and Street View tabs for each location. The Industry section shows the NAICS code and description, with an option to override the classification across your entire organization.

The Application velocity section shows application counts across six time windows. The Loan inquiries section shows market-wide loan activity grouped by month, with individual timestamps on expand. The Bank accounts section lists all accounts pulled from statements uploaded across all applications.

Business info card

Shows the business name (editable via the pencil icon), the date Ocrolus first received an application for this business, the most recent application date, the number of applications in the last 365 days, and the total application count over time.

Addresses

Shows all addresses Ocrolus has on file for this business. Click any address row to open its Google Maps location and Street View. Both views are interactive, click either one to open the full Google Maps view in a new browser tab.

If no address is found on file, the section displays No Address found for this business. If Street View imagery is unavailable, the Street View panel displays Street View not available message but the Map tab still works.

Industry

Shows the business's NAICS code and industry description. If the classification is incorrect, select Change industry to override it. Industry overrides apply at the business level across your entire organization.

Application velocity

Shows the number of applications received for this business across six time windows: last 30, 60, 90, 180, 270, and 365 days. Use this to identify spikes in application frequency that may warrant further review.

Loan inquiries

Shows how many times this business has appeared in loan applications across the market, not just within your organization. The data is grouped by month and each month can be expanded to show individual inquiry timestamps. This is the same cross-organization data available through the Business History API.

Bank accounts

Shows the bank accounts associated with this business, fetched from bank statements uploaded across all applications. Includes the account name, holder, date range, and address.

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Historical applications

Click Historical applications in the left navigation to view all Books your organization has submitted for this business, with the most recent first. This page lists every Book submitted for this business. Each Book shows its name, status, uploaded date, and authenticity score. Select the accordion to expand the documents within a Book, or select the Book name to open it in the application view in a new tab.

To open a Book in the full application-level view, click its name. The Book opens in a new browser tab, preserving your place in the Business Profile.

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Accounts page

The Accounts page summarizes every bank account associated with the business across all submitted Books, followed by cash flow charts and a business-level summary panel.

Accounts table

Each account appears as its own table, labeled with the account identifier and a badge showing how many statement periods it covers, such as 7 periods. Each row represents a sub-period, with a totals row at the end of the table.

Expand any account to see its period-by-period breakdown. Where no statements cover part of the date range, the table shows a message such as No data available from Jun – Dec 2023 in place of values.

Revenue vs expenses

The Revenue vs expense chart compares deposits (revenue) against withdrawals (expense) across Daily, Weekly and Monthly views, with a download option. Revenue bars are shown in green where is expense bars are shown red.

In the Daily view, each bar represents one calendar day. Periods with no statement data appear as a shaded No data available band.

Below the chart, a summary table shows monthly Revenue, Expense, Deposits and Withdrawals, each with a transaction count. Months with no data show NA.

Balance history

The Balance history chart tracks account balance over time, with the same Daily, Weekly and Monthly views and download option as Revenue vs expense. You can view one account or multiple accounts together.

When multiple accounts are selected, a period is marked No Data only if no data is available across all accounts for that period.

Business summary panel

The right side panel summarizes the business at a glance:

• Industry (4-digit NAICS): the business's NAICS code and description. Select Change industry to override the classification, or Reset to return to the default. Overrides apply across your organization.
• Cashflow summary: average and total figures for revenue and expense, average daily balance, average loan payments, debt coverage ratio, total NSF count and amount, and total overdrafts.
• Top revenue counterparties: the largest sources of incoming funds, by amount.
• Top expense counterparties: the largest destinations of outgoing funds, by amount.

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Transactions page

The transaction page lists every deduplicated, enriched transaction across all of the business's submitted Books, including Books that are private to your organization, in one searchable table. The page header shows the total transaction count.

Transaction table

Search, filter and edit

Use the controls above the table to search by description or filter by item, tag, and account. Select one or more rows to apply bulk actions.

Transactions are deduplicated within each bank account, when statement periods overlap across Books, the most recent data source wins and each transaction appears once. Tags reflect your organization's latest customizations and update automatically.

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