Ocrolus Intelligence

Ocrolus Intelligence is a collection of advanced insight modules that provide underwriters with deeper context about a merchant’s financial behavior and performance. Because Ocrolus sits at the center of the SMB lending ecosystem and processes thousands of loan applications and cash flow records each day, it can identify patterns that are difficult for any single lender to see in isolation. Ocrolus Intelligence brings those patterns into the Dashboard as actionable insights within each Book.

These insights help you interpret cash flow data with broader context, detect behavioral patterns, and benchmark financial performance all within the same workflow used for document analysis.

The Ocrolus Intelligence suite currently includes:

Loan inquiries: Understand a merchant’s prior loan application activity, including frequency, recency, and application history.
Benchmarking: Compare a merchant’s revenue, expenses, and fintech activity against anonymized peers in the same industry using percentile-based insights.

Target users

Underwriters and credit analysts: Use intelligence modules to assess borrower behavior, financial health, and performance relative to peers.
Risk and portfolio teams: Incorporate aggregated insights into risk models and review processes to identify outliers and validate assumptions.
Developers and data teams: Access intelligence through the Ocrolus API to integrate behavioral and performance signals into automated decisioning workflows.

Accessing Ocrolus Intelligence

You can find Ocrolus Intelligence within any SMB Book:

Login to the Dashboard.
Open a Book in the Ocrolus Dashboard.
Select Ocrolus Intelligence.

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Tip
If you don’t see it, contact your Account Manager to confirm feature access.
Choose the module you want to explore such as Loan Inquiries and Benchmarking.

Intelligence Modules

Loan Inquiries

Loan Inquiries provides visibility into a merchant’s prior loan applications processed by Ocrolus. It helps underwriters assess application frequency and recency, identify potential credit-stacking behavior, and better understand the merchant’s borrowing history over time. To learn more, see the Loan Inquiries page.

Benchmarking

Benchmarking provides context for a merchant’s financial performance by comparing revenue, expenses, and fintech activity against anonymized peers within the same naics4_code (NAICS4) industry. This helps underwriters quickly determine whether the merchant’s performance is typical, stronger than peers, or potentially concerning relative to similar businesses. To learn more, see the Benchmarking page.

Using Ocrolus Intelligence in underwriting

Ocrolus Intelligence helps underwriters:

Understand borrower behavior beyond the current application.
Identify frequent or recent credit-seeking patterns that may indicate elevated risk.
See whether key financial metrics fall within typical industry ranges.
Support approval or decline decisions with aggregated, data-driven context.
Reduce manual research and limit reliance on external data sources.
Build confidence when reviewing edge cases or borderline applications.