Post-funding transaction analytics allows you to upload Plaid transaction data using API and receive updated cash flow analytics for enhanced portfolio management, loan renewals, and collections. This guide provides a detailed process for utilizing this feature.

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This feature is in beta!

This page discusses functionality that is in beta. You may occasionally experience unannounced changes or bugs. We'd greatly appreciate your feedback on this feature and its accompanying documentation.

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Tip

A subscription to Post-funding Analytics includes up to 30 analytics refreshes per Book per month.

Use cases and supporting metrics

1. Portfolio management: Periodically updated cash flow data allows you to monitor borrower financial health, detect early warning signs of financial distress, and make proactive adjustments to risk models.
   • Net cash flow: Tracks liquidity trends over time.
   • Average daily balance: Monitors account stability.
   • Negative balance days: Highlights periods of financial strain.
   • Revenue and expense trends: Offers insights into income consistency and spending behavior.
2. Loan renewals: By refreshing cash flow analytics, you can quickly identify renewal-eligible borrowers without waiting for updated bank statements. This reduces friction and improves borrower experience while increasing lender revenue potential.
   • Revenue trends: Identifies reliable income streams.
   • Debt coverage ratio: Evaluates financial health for renewal eligibility.
   • NSF fee and overdraft counts: Flags financial instability that may affect loan renewal prospects.
3. Collections and repayments: Early visibility into borrower financial trends enables you to intervene proactively, recalibrate repayment plans, and prevent defaults.
   • Debt inflows and outflows: Tracks loan repayment behavior.
   • Negative balance days: Detects risk of delinquency.
   • Net revenue vs. expenses: Assesses financial sustainability for repayment.

Step 1: Prerequisite - prepare the required data and access

Before you begin, ensure that you have the following access and data:

• Access to Analytics: Ensure that your organization has access to Ocrolus V2 Analytics. This feature requires the latest analytics endpoints, including the Book summary and Enriched transaction endpoints.

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  Tip

  Contact your account manager if you need assistance enabling Analytics.

• Book ID: Identify the specific Book associated with an existing merchant in the Ocrolus system. The Book must already include pre-funding bank data, such as bank statements or Plaid data.
• Plaid account and transaction data: Verify that your organization has an active Plaid account and can access the required Plaid JSON files containing the merchant’s transaction data.

Step 2: Upload transaction data

To upload Plaid transaction data to a Book that contains bank statements, perform the following steps:

1. Use the Upload PDF to Book endpoint or the Upload Mixed Document PDF to Book endpoint to upload bank statements for underwriting the borrower.
2. Using your organization's Plaid account, obtain the bank transaction data for the same borrower. Ocrolus supports both Plaid Asset Report JSON and Plaid Transactions JSON formats.
3. Use the Upload JSON to Book endpoint to upload the retrieved Plaid JSON files to the corresponding Book. You can upload multiple JSON files to support multiple bank accounts or extended transaction timelines.

Step 3: Analyze updated insights

To retrieve the refreshed analytics and analyze the data, perform the following steps:

1. Call the relevant analytics endpoints, such as the Book summary, Enriched transaction, or other V2 Analytics endpoints to obtain updated cash flow metrics for the merchant.

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   Tip

   You can upload up to 30 Plaid JSON files per month.

2. Use the updated analytics for portfolio management, renewal evaluations, and collection efforts.