Finance Guardians

Three-Layer Protection Against Defaults

Automated monitoring, intelligent alerts, and human expertise working together 24/7.

Automated Data Collection
Continuous monitoring without manual intervention

What We Monitor:

  • •Bank account activity via Open Banking API
  • •Accounting software integration (Xero, QuickBooks, Sage, FreeAgent)
  • •Cash flow patterns and trends
  • •Invoice aging (receivables and payables)
  • •Payroll consistency
  • •Tax payment compliance
  • •Sector-specific KPIs

How It Works:

We integrate with borrower's existing systems through secure APIs. No manual uploads required. Data flows automatically into our monitoring platform where machine learning algorithms analyze patterns and flag anomalies.

Traffic Light Early Warning System

Clear, actionable status indicators that trigger appropriate responses

Green Status Indicators
  • ✓Consistent positive cash flow
  • ✓Invoices paid within terms
  • ✓Regular payroll execution
  • ✓Tax compliance maintained
  • ✓Revenue trends stable or growing
Amber Status Triggers
  • !Cash flow volatility increasing
  • !Late invoice payments (30+ days)
  • !Irregular payroll patterns
  • !Delayed tax payments
  • !Revenue decline >15% month-over-month
Red Status Triggers
  • ✕Negative cash flow 2+ consecutive months
  • ✕Invoices unpaid 60+ days
  • ✕Missed payroll
  • ✕HMRC payment default
  • ✕Revenue decline >30%

Human Intervention Protocol

We don't just send alerts—we take action

Amber Response (within 48 hours)
  1. 1.Contact business owner via phone/video
  2. 2.Conduct root cause analysis
  3. 3.Develop action plan with milestones
  4. 4.Provide strategic guidance
  5. 5.Increase monitoring to weekly
  6. 6.Send lender alert with action plan
Red Response (within 24 hours)
  1. 1.Emergency contact with owner
  2. 2.Daily check-ins
  3. 3.Crisis management support
  4. 4.Immediate lender notification
  5. 5.Coordinate with lender on next steps
  6. 6.Facilitate restructuring if needed
Lender Dashboard
Real-time visibility into your entire portfolio
•Portfolio health overview (Green/Amber/Red distribution)
•Individual loan status tracking
•Alert history and resolution tracking
•Intervention success metrics
•Quarterly performance reports
•Exportable data for internal reporting

Integration Requirements

Simple setup process for both borrowers and lenders

For Borrowers

•Access to accounting software (API or read-only login)

•Open Banking consent

•Loan agreement clause requiring monitoring participation

For Lenders

•Onboarding portal access

•Designated relationship manager

•Integration with your loan management system (optional)