Business loan assessment
Understand a business’s real cash flow
Revenue, repeat customers, expenses and balances from business bank statements, so you can underwrite business loans faster and with fewer surprises.
Revenue trend
Monthly revenue
6-month total
RM 115,400
Revenue sources
Where the money comes from
Total
RM 115,400
Sample data for illustration
Statement summary
Every account and transaction, in one place
Account details, totals and a full transaction list that your team can search and filter.
Statement summary
ABC Sdn Bhd · Account ending 4417
Total credit
RM 691,240
Total debit
RM 653,880
Transactions
1,284
Statements
6 months
Sample data for illustration
Revenue sources
Where the money comes from
Total
RM 115,400
Revenue trend
Monthly revenue
6-month total
RM 115,400
Sample data for illustration
Revenue analysis
See where the money really comes from
A breakdown of revenue sources and how the business performs over time.
Repeat customer analysis
Know whether revenue will keep coming
We score every company and individual that pays the business, so you can judge how dependable its income is.
Repeat customers
Money in from companies and individuals
Kedai Maju Enterprise
Corporate · 6 transactions
RM 30,860
100.0
Frequency · Strong
94.6
Consistency · Strong
97.0
Stability · Strong
Syarikat Jaya Sdn Bhd
Corporate · 2 transactions
RM 6,600
33.3
Frequency · Poor
100.0
Consistency · Strong
60.0
Stability · Standard
Lim Trading
Corporate · 1 transaction
RM 9,450
16.7
Frequency · Poor
100.0
Consistency · Strong
55.0
Stability · Standard
Sample data for illustration
Expense sources
Where the money goes
Total
RM 98,200
Expense trend
Monthly expenses
6-month total
RM 98,200
Sample data for illustration
Expense analysis
Understand what the business spends
Expenses broken down by type and tracked over time.
Financial assessment
Balance and deposit analysis
Balance analysis
How the account balance moves across the statement period, including highs, lows and closing balances.
Deposit analysis
How money is deposited into the account, to spot patterns and unusual inflows.
Built-in fraud check
Catch statements and revenue that aren’t real
Every statement is checked for tampering before it’s analyzed. Our behaviour checks look for patterns that make a business look healthier than it is.
How document fraud detection works →Window dressing
Balances inflated just before applying
Related-party transfers
Director or related-party money counted as sales
Holiday transfers
Unusual transfers timed around holidays
Edited statements
Amounts, balances or dates changed after issue
Integration
Start in the way that suits your team
Begin with the dashboard on day one, then move to a full integration when you’re ready.
No integration
Dashboard
Your team uploads documents and reviews results in our dashboard.
Light integration
Embeddable web component
Send documents via API and show our visual results inside your own system.
Full integration
API
Structured data straight into your loan origination system or credit decision engine.
Business loan assessment: frequently asked questions
How can lenders assess an SME’s cash flow from bank statements in Malaysia?
Finory analyzes business bank statements from all Malaysian banks and breaks them down into revenue sources, revenue trend, repeat customers, expenses and balances. Credit teams see how the business really runs without reading hundreds of transactions by hand.
What red flags does Finory detect in business bank statements?
Finory looks for patterns that make a business look healthier than it is, such as window dressing before an application, director or related-party transfers counted as sales and unusual transfers around holidays. It also checks each statement for tampering.
Which documents does Finory analyze for business loans?
Finory analyzes business and company bank statements from all Malaysian banks, for sole proprietors, enterprises, partnerships and Sdn Bhd companies. It can also read supporting documents such as business licences. Original e-statements give the strongest result.
How long does a business loan assessment take?
Processing time depends on the number of pages. Business bank statements usually have many more pages than personal ones, so they take longer than the 1 to 5 minutes that is typical for a personal loan application.
How do lenders integrate Finory?
Every Finory product is available through an API that sends structured results straight into a loan origination system or credit decision engine. Teams can also start with the Finory dashboard, with no integration work, or embed results in their own system with a web component.
See a real business cash flow report
Share sample business statements, and we’ll show you what Finory finds.
Book a demo