FAQs

Name: cash-flow analysis
Brand: Prestatech

Question 1

How does cash flow analysis work at Prestatech?

Accepted Answer

Prestatech processes bank account transactions in real time to assess a user’s or business’s financial health. Using proprietary models, it analyzes income flows, recurring expenses, liquidity patterns, and anomalies. Data is sourced from bank APIs or uploaded documents and transformed into structured, normalized insights for credit scoring and affordability checks.

Question 2

What are the advantages of transaction-based credit analysis over traditional methods?

Accepted Answer

Unlike traditional credit checks, Prestatech uses real transaction data to evaluate actual financial behavior. This allows for more timely, personalized, and data-driven assessments, reflecting trends, seasonality, and individual cash flow patterns – far beyond static credit history.

Question 3

Which data sources are used for cash flow analysis?

Accepted Answer

Prestatech supports multiple data inputs: PSD2-based bank access, CSV uploads, API integrations, and scanned documents like bank statements. All data is standardized and categorized using advanced logic to produce a structured financial profile – regardless of the source.

Question 4

How reliable is the risk evaluation using cash flow data?

Accepted Answer

Our risk evaluation combines high-quality data with proprietary model logic. We assess income, expenses, chargebacks, and payment regularity to flag risk in real time. Transparent KPIs and risk indicators help lenders make confident, data-backed decisions – personalized per case.

A new dimension for credit analysis with granular cash-flow insights never seen before

Comprehensive credit and behavioural analysis based on transactional data that can be integrated seamlessly with traditional data sources such financials and Credit Bureaus

Prestatech offers a powerful and comprehensive tool to perform credit analysis and decisioning

FAQs

Prestatech offers a powerful and comprehensive tool to perform credit analysis and decisioning