SMB
Last updated: July 10, 2026
The following SKUs are specific to small business lending workflows. Each is billed and contracted as a standalone product.
SMB Cash Flow App
SKU: SMB CASH FLOW APP | Unit of measure: Base Book count
Also referenced as: BSIC (Bank Statement Income Calculator)
SMB Cash Flow App processes bank statement data into a standardized cash flow picture in under 10 seconds, billed per application as a bundle of the submitted bank statements. It returns more than 500 data points per submission, including monthly revenue, expense breakdowns, transaction-level categorization, non-sufficient funds activity and industry benchmarks. Output maps directly to common SMB underwriting decisioning models. Also referenced as BSIC (Bank Statement Income Calculator).
Applies to: SMB lending
Plaid Monitoring
SKU: PLAID MONITORING | Unit of measure: Base Book count
Plaid Monitoring provides ongoing monitoring of borrower accounts connected through Plaid, refreshing transaction and balance data after origination so lenders can track account activity and cash flow health over the life of a loan.
Applies to: SMB lending, Consumer lending
Digital Analytics
SKU: DIGITAL ANALYTICS | Unit of measure: Base Book count
Digital Analytics delivers cash flow and account analytics computed from digitally sourced bank data, such as Plaid-connected accounts, returning analysis-ready output in the same format as document-based analysis without a separate pipeline.
Applies to: SMB lending
Docs2Digital
SKU: DOCS2DIGITAL | Unit of measure: Base Book count
Docs2Digital converts uploaded bank documents into the same structured, digital format produced from connected bank data, so document-sourced and digitally sourced files can be analyzed together in one consistent output.
Applies to: SMB lending
ISO Applications
SKU: ISO APPLICATIONS | Unit of measure: Form count
ISO Applications extracts structured data from merchant cash advance submission packages routed through an ISO (independent sales organization), so funders can process deal submissions without manual entry. Billed per form within the Other Documents family.
Applies to: SMB lending
Encore
SKU: ENCORE | Unit of measure: Per shared file
Encore lets lenders and brokers share decision-ready borrower files across the Ocrolus network through a double opt-in model that preserves relationship controls. A sending lender or broker submits documents once, and Encore makes the resulting Ocrolus analytics, including cash flow, income and fraud signals, available to receiving partners. Available for both bank statement and Plaid-sourced files.
Applies to: SMB lending