Flexible limits, set by live cashflow.
A revolving facility is only as safe as your view of the business today. Credit Canary reads the live account, tracks cashflow as it moves, and sizes and reviews limits on what the business is actually earning, not a number from last year.
The limit decision, continuous
The old way sets a limit once. The AI way keeps it honest.
- A limit set at origination and rarely revisited
- Drawdowns approved with no fresh affordability view
- Seasonal businesses under- or over-limited
- Deterioration spotted only at renewal
- Limits sized on real, categorised cashflow
- Each drawdown checked against current affordability
- Seasonality read from the transaction history
- Early-warning signals as cashflow turns
AI across the revolving facility
From the first limit to every drawdown and review.
Origination
Size the opening limit from real cashflow, not a filed-accounts estimate.
Drawdown
Check affordability live at each draw, so utilisation stays sustainable.
Review
Re-rate limits automatically as the business grows or slows.
Monitoring
Flag falling revenue or rising commitments before they bite.
The business account, turned into a limit
The same Open Banking enrichment that powers our wider work, read as live headroom for a revolving line.
Insight from across the platform
Revolving-credit decisions draw on the same modules and Open Banking depth as the rest of Credit Canary.
Open banking enrichment
How a raw feed becomes clean categories, income and risk.
Affordability assessment
Turning real cashflow into a sustainable lending decision.
Decisioning engine
Policy, data and models in one live, explainable decision.
Banking module
Connect business accounts and read categorised transactions.
Analytics
Portfolio trends and early-warning signals across the book.
All SME lending products
Term loans, revolving credit, invoice and asset finance, and more.
Set revolving limits on live cashflow.
See how Credit Canary sizes and reviews a facility from a live business account.