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.
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.
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.
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
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.
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.
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."
new, profitable originations
increase in approval rate
reduction in losses
Everything you need for SMB underwriting
Built for SMBs, not consumers
The only cash-flow underwriting system designed specifically for business lending.
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
