Distributor Financing Cashflow Checks
Cashflow verification framework for distributor financing with invoice-bank-GST consistency checks.
Target Audience
Lenders offering working capital and bill discounting products to distributors.
What Makes This Hard
Distributor portfolios can hide concentration risk, delayed collections, and invoice-booking mismatches that are hard to detect in spreadsheet-based reviews.
How Santulan Solves It
Santulan maps invoice cadence, collection behavior, and bank inflows into one risk lens and identifies stress pockets before sanction.
Better visibility into payment cycle stress
Reduced mismatch between projected and observed cash flow
Improved portfolio monitoring for concentration risk
Standardized checks across branches and teams
How It Works
Ingest borrower data
Collect bank statement, GST, and borrower profile data for the requested credit line.
Policy-aligned analysis
Score cashflow quality, detect anomalies, and apply lender-specific underwriting policy checks.
Credit decision pack
Review explainable risk factors and produce a structured recommendation for sanction or decline.
Frequently Asked Questions
What cashflow checks are most useful for distributor lending?
Collection cycle consistency, customer concentration, invoice-to-bank match quality, and short-term liquidity buffers are key checks for distributor financing.
Can the platform flag sudden deterioration in payment behavior?
Yes. Santulan tracks trend breaks in inflows, delayed collections, and deviation from historical and sectoral baselines.
Is this suitable for both secured and unsecured lines?
Yes. The framework supports term loans, OD/CC reviews, and unsecured working-capital products with configurable thresholds.
Ready to implement this workflow?
Book a demo and see a live underwriting workflow built around your borrower segment.