Cash Flow Agent

Cash Flow Analysis Built for Credit Decisions.

Automate complex bank statement parsing and transaction-level cash flow reconstruction to detect hidden risks and make same-day credit decisions.

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150+

Institutions Trust Uptiq

Eliminate Manual Cash Flow Reviews

Reduce the time spent reviewing statements and tracing transactions by automating cash flow reconstruction and borrower financial analysis.

Transaction Classification & Cash Flow Reconstruction

Automatically categorizes banking transactions and reconstructs borrower cash flow across connected accounts and entities.

Classifies transaction activity into standardized income and expense categories.

Consolidates cash flow across multiple accounts and business entities.

Calculates lender-ready liquidity and cash flow metrics automatically.

Risk Signal & Pattern Detection

Analyzes transaction behavior to identify emerging risks and signs of financial stress.

Monitors revenue consistency and changes in cash flow patterns.

Detects unusual transaction activity and behavioral risk indicators.

Flags overdrafts, hidden debt obligations, and liquidity concerns.

Traceable Underwriting Outputs

Delivers standardized cash flow analysis and risk insights directly into underwriting workflows.

Produces structured outputs for scorecards and credit decisions.

Maintains traceability from every calculation back to source data.

Standardizes cash flow analysis across teams and portfolios.

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What Financial Institutions See in Practice

41%

Faster Underwriting Cycles

Automated transaction analysis cuts hours of manual review, moving teams from application to decision faster.

Handle 2x

More Applications with Existing Teams

Liquidity insights generate automatically, lifting throughput with no added front-office staff.

29%

Lower Credit Operations Costs

Less manual collection, review, and admin work means a lower cost per application.

Works Seamlessly with the Rest of Your Stack

Intake Agent

Ensures every application arrives complete, accurate, and ready for processing.

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Continuous Monitoring Agent

Provides ongoing visibility into portfolio performance and risk exposure.

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Integration

Connects workflows across core systems, CRMs, LOS platforms, and data providers.

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Documents Supported

Handles underwriting, compliance, and credit review documents.

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Frequently Asked Questions

Ready to deploy the Cash Flow Agent?

Our team handles scoping, configuration, and go-live. Most financial institutions are in production within 5 business days, with no rip-and-replace of existing systems required.

Book a Discovery Call

Watch the 4-minute product tour.

Cash Flow Analysis Built for Credit Decisions.

Eliminate Manual Cash Flow Reviews

Transaction Classification & Cash Flow Reconstruction

Risk Signal & Pattern Detection

Traceable Underwriting Outputs

What Financial Institutions See in Practice

Faster Underwriting Cycles

More Applications with Existing Teams

Lower Credit Operations Costs

Works Seamlessly with the Rest of Your Stack

Intake Agent

Continuous Monitoring Agent

Integration

Documents Supported

Frequently Asked Questions

What is the Cash Flow Agent?

How does the Cash Flow Agent work?

Will the AI replace our underwriters' judgment?

How does the Cash Flow Agent integrate with our LOS?

How long does deployment take?

Is the Cash Flow Agent SOC 2 compliant?

Can we customize the risk thresholds and categories?

Ready to deploy the Cash Flow Agent?

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