Credit infrastructure for business lending

Embedded Credit Solution

Looking to add a lending program?

Offer working capital for your business customers using Slope's embedded line of credit solution with competitive APRs.

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Business Cash Flow Score

Already have a lending program?

Slope integrates with your existing models to generate predictive insights from bank transaction so you can approve more customers.

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We work with THE world's LARGEST companies

With comprehensive transaction history, a complete picture of business health is possible

The Problem

SMB lending is broken because the data is broken

Business transactions are noisy, unlabeled, and notoriously hard to interpret.

Most banks still rely on:

• Consumer cashflow models (not built for SMB complexity)
• Manual reviews (slow, inconsistent)
• Stale financials (quarterly, not real-time)
• Thin files (missing signals entirely)

The result?

• Missed approvals & higher losses
• Long onboarding
• Low automation
• Millions in originations locked behind bad data

THE SOLUTION

We've cracked the business transaction with AI

Slope Transformer is the first model trained specifically to understand the dialects, patterns, context, and cashflow behavior of SMBs. It interprets every transaction, reconstructs real financials, and surfaces credit-grade attributes and scores with 99% accuracy in key categories like revenue and debt.

Slope Transformer

The first LLM fluent in business transactions

Slope turns messy, unlabeled SMB bank transaction data into clean financials, accurate cashflow scores, and real-time risk signals.

87

SlopeScore

RECOMMENDED LIMIT

$875,000

PROBABILITY OF DEFAULT

0.3%

SlopeScore

The cash flow score for small business lending

Built from real transaction-level financials, SlopeScore rebuilds an SMB’s true financial picture, unlocking more approvals and lower losses.

From raw bank data to clean financials, scores, and real-time signals

Transaction Enrichment

Raw transaction data is processed and enriched with merchant, category, and location information.

• Merchant identification
• Category classification
• Geolocation data
• Vendor intelligence

SlopeScore: Cash Flow Risk Score

The first SMB-specific cashflow risk score with credit-grade accuracy. Slope Score works alongside (not instead of) FICO/Bureau data.

• 99% accuracy in major categories
• Fully explainable
• Identifies profitable thin-file & near-prime customers
• Captures risk bureau scores miss

Instant Financial Reconstruction

Turn raw transactions into a full financial picture, automatically. All built directly from transactions with unfalsifiable precision.

• Revenue, COGS, gross margin & more
• Recurring vs non-recurring
• Operating expenses
• Cash flow behavior
• Debt ratios

How Slope works

1. Data Collection & Enrichment
   Connect your financial data through our API, file upload, or direct ERP integration. Our AI enriches raw transaction data with merchant, category, and location information.

2. Cash Flow Analysis
   Our AI analyzes transaction patterns to create a comprehensive financial profile, measuring income stability, expense volatility, and savings rate to generate a proprietary cash flow score.

3. Credit Decisioning
   Based on the comprehensive financial profile, our AI generates credit recommendations, suggested limits, and risk assessments to help you make smarter lending decisions.

CASE STUDY

How a top 10 bank transformed credit decisions

"Slope did incredible. Especially impressive is subcategory accuracy. No other solution comes close."

• $868M new, profitable originations
• +14% increase in approval rate
• $5M reduction in losses

Everything you need for SMB underwriting

Built for SMBs, not consumers

Cashflow Score

A single, predictive score built from transaction-level data.

Transaction Categorization

Proprietary taxonomy tuned for business industries

Predictive Cashflow Modeling

Forecasts deposit periodicity, seasonality and volatility of cash flows.

Entity Resolution

Identify connections between people, businesses, and accounts to detect fraud or inflated risk.

Continuous Monitoring

Scores update dynamically as business conditions change.

Automated Data Ingestion

Ingests and categorizes raw bank data at scale.

Plug & Play Integration

API-first, with CSV/SFTP options for easy deployment.