Encore

Encore extends the Ocrolus platform to help small business lenders say yes more often. By securely sharing decision-ready borrower profiles with trusted partners, Encore enables lenders to capture more revenue, accelerate time to fund, and strengthen key relationships.

Each merchant cash flow profile includes standardized Ocrolus cash flow analytics, fraud checks, industry classification, and original documents—allowing senders to share with confidence and recipients to fund faster with less friction. Encore gives partners a smarter, faster way to grow.

Who this guide is for

• Senders: Brokers who share borrower profiles with funder partners; lenders with a direct program who share turn-down leads with partners.
• Receivers: Lenders who review and make underwriting decisions on incoming merchant cash flow profiles.

Getting started

Use secure profile sharing to send borrower Books to trusted partners on your allowlist. An admin manages the allowlist with a double opt-in process, so both organizations must approve before any data moves. Recipients use a designated manager account to receive Books. After sharing is enabled, Books are delivered automatically. All actions are logged for audit and compliance.

• Accessing Encore: This feature is available in the Ocrolus Dashboard and via the API.
• User roles & permissions: This feature has the following user roles:
  • Senders share borrower profiles.
  • Receivers are notified via webhook and push notification in the Ocrolus Dashboard and can automatically receive and accept shared profiles in Phase 1.

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    Note

    In Phase 2 (coming shortly), receivers will be able to accept or reject shared profiles based on a preview of cash flow data.

  • Only authorized users (designated recipient accounts) can receive profiles.
• Partner management: Sharing and receiving are restricted to trusted partners on your allowlist, which is a double-opt-in list managed by Ocrolus on your behalf. Both parties must approve access before sharing via Encore is enabled.
• Recipient account: For security, designate a manager account to receive merchant cash flow profiles. You may create a team mailbox, such as [email protected], or select an existing individual account with manager permissions, such as [email protected]. Please notify your Ocrolus account manager of the account you’d like to use for receiving profiles via Encore.
• Sharing basics: Each merchant cash flow profile (also known as an Encore Book or application) includes detailed Ocrolus cash flow analytics, fraud checks, industry classification, and original documents - built on bank statements and Plaid JSON in the current release. Additionally, recipients will also get a copy of the underlying bank statements or Plaid JSON that were submitted in the application.
• Automatic acceptance and receipt: Once sharing is enabled, recipients automatically receive and accept Books in Phase 1.

  📘

  Note

  In Phase 2 (coming shortly), receivers will be able to accept or reject shared profiles based on a preview of cash flow data.

• Audit and controls: All shares and acceptances are logged and accessible in the dashboard or API for reconciliation and compliance. Governance includes role-based permissions, audit trails, and a double-opt-in allowlist.

Best practices

Implement the following best practices to optimize sharing, ensure compliance, and maintain partner trust in Encore:

• Curate trusted partners: Ocrolus will maintain an allowlist of brokers/lenders for you; let us know whenever you want to update it
• Protect relationships: Only share with explicit approvals; use double-opt-in to avoid channel conflict.
• Utilize shared Book label: Senders and recipients can rely on the shared book label to easily map Encore cash flow profiles to original leads sent via typical partner channels (API, portal, or API).

Prerequisites

Before you begin, ensure the following requirements are met:

• Confirm that your organization’s manager accounts have send and receive permissions.
• Verify that your trusted partners are approved in the allowlist.
• Set up webhook notifications for automated updates.
• Audit sharing logs monthly to ensure compliance.
• Review Ocrolus API documentation for advanced automation.

Using Encore

Encore can be used through the Ocrolus Dashboard or the API. Choose the guide that matches your role and workflow:

• Sender’s guide: Learn how to create, label, and share borrower profiles with partners using the Dashboard or API.
• Receiver’s guide: Learn how to receive, track, and manage shared books from partners using the Dashboard or API.