SMB Cashflow Analysis

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Overview
What is included
Sample Exports
End-to-end flow
Analysis and validation themes
Typical outputs
Typical use case
Getting started
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Overview

The SMB Bank Statement Analysis workflow template is a preconfigured path for US bank statement packages used in SMB underwriting and cash flow review. It classifies uploads, extracts balances and transactions, runs standardized analytics and enrichment, applies validations, and produces case-level rollups, per-account views, and export-ready tables so reviewers can judge capacity, concentration, and operational stress without manual spreading.

Case type: SMB bank statement analysis (cash flow and risk review).
Primary documents: US bank statements. Multi-document and multi-account packages are supported.
Goal: Turn raw statements into structured signals (balances, revenue and expense interpretation, debt-like flows, NSF and overdraft-style activity, concentration, integrity checks) and keep those signals tied to source lines for audit.

What is included

When you use this template, the workflow is wired so that typical blocks cover:

Classification
Incoming files are routed as US bank statements or held as unclassified until a reviewer or rule corrects them.
Extraction
A dedicated extractor captures accounts, periods, balances, and transaction lines in a consistent schema.
Analytics and enrichment
Extracted data is passed through standardized analytics and transaction enrichment (tags and categories relevant to SMB and lending review: payroll-style flows, tax-like patterns, loan and financing-style patterns, NSF and overdraft-style events, large or unusual movements, internal transfers, and similar).

Parallel analytic lenses (six tracks)
Outputs are organized so reviewers can read the case at different levels of aggregation:

Track	Role
Book summary	Case-level rollups (for example average balances, transaction counts, revenue and expense totals, loan inflows and outflows, debt coverage where defined).
Bank account summary	Per-account metrics, period coverage, and operational detail (including institution and address context when extracted).
Debt	Debt-like inflows and outflows grouped by channel (SBA, MCA, factoring, fintech-style lenders, bank loans, and similar).
Revenue	Revenue and expense concentration (for example top counterparties by proportion and amount, monthly summaries where configured).
Master data	One consolidated, time-ordered view across all files and accounts.
Accountwise master data	The same idea per bank account for account-pure timelines.

Consolidation
The six lenses are merged into a single case package for the UI, exports, and downstream systems.
Fraud and data-quality signals (where enabled)
A dedicated pass can surface structured checks and export bundles for systems that consume failed checks or alert lists.
Validation
Validations cover required fields, financial consistency, and cross-document logic where the template defines them. Results surface in Case Overview under the validation area.
Export
Export blocks produce CSV, JSON, XLSX, and workbook-style deliverables depending on configuration (transaction lists, income-style workbooks, SMB analytics workbook, book summary JSON, legacy-format bank income XLSX, master sheet style consolidated reporting where the workflow includes it).

Sample Exports

End-to-end flow

Intake
Files upload into the case. Metadata and routing determine which extractor runs.
Routing
Classified US bank statements go to the bank statement extractor. Unclassified items wait for correction or auto-classification rules.
Extraction
Balances, accounts, and line items land in a unified schema so downstream blocks do not depend on PDF layout quirks per bank.
Analysis
Analytics compute monthly and period metrics, reconciliation-style checks (for example statement ending balance vs computed activity), and rollups used in book summary and bank account summary.
Enrichment
Each line gets tags and categories used in debt, revenue, master data, and risk views.
Presentation
The case UI shows summary tiles, per-account tabs, transaction grids, and charts where the product enables them. Drill paths go from metric to supporting transactions when the data model links them.
Export
Configured export blocks emit files for credit memo, portfolio, or warehouse ingestion.

Analysis and validation themes

Debt service posture
Direction and size of financing-related flows. Debt coverage and related ratios are defined by the case or product rules. Interpret any ratio using the formula and window shown in the export or UI.
Operational stress
Counts and timing of NSF and overdraft-style fees, negative balance days by month, and related pass or fail or "needs review" flags.
Financing and MCA-style exposure
Pattern and keyword-driven signals for repeated or stacked fintech and MCA-style activity where the model applies.
Concentration
Ranked revenue and expense counterparties so dependency on a small set of payors or vendors is visible early.
Balance integrity
Beginning balance, deposits, withdrawals, and ending balance are compared to a computed ending balance where the pipeline supplies it. Material breaks should trigger review.
Cross-document consistency
Where multiple statements cover the same account, overlapping periods and duplicate or missing days should be checked in validation or manual review.

Typical outputs

Consumer	What they usually open
Underwriter	Book summary, bank account summary, debt and revenue tabs, validation list.
Analyst	Master data or accountwise master data, enriched transaction export, monthly grids.
Operations or data team	JSON or CSV transaction feeds, workbook exports for warehouse load.

The use case breakdown for those consumers might typically look like this:

Book summary: How the business looks overall: cash movement, balances, and monthly stress (NSF, overdrafts).
Bank account summary: Same read, split by account, so you can compare accounts side by side.
Debt: Loan and financing-style inflows and outflows, including stacking or repeat lender patterns.
Revenue and expense: Main payors and payees, and where revenue or spend is concentrated.
Master data: Full timeline across all statements in one place for audit and deep review.
Enriched transactions: Line-by-line detail with tags (payroll, loans, fees, large items) to support any number on the summary tabs.
Transaction list: All lines in a simple table when you need to work outside the workbook or share raw activity.

Typical use case

Automated SMB cash flow review

Upload a borrower's multi-month, multi-account statement bundle.
Let the workflow classify, extract, enrich, and analyze.
Review book-level and account-level metrics, debt and revenue concentration, and stress indicators.
Resolve validation failures or unclassified documents.
Export tables and workbooks for the credit file or downstream system.

Outcome: faster triage, less re-keying, and a single case object that holds both aggregates and line-level evidence.

Getting started

Open Workflow, then Templates.
Select SMB Bank Statement Analysis (or the exact template name your tenant uses).
Activate the workflow and process a pilot case.
Confirm exports match the systems that consume them (field names, date formats, sheet layout).