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FOR BANKS AND LENDERS

Upgrade your lending process with advanced analytics

Monitor borrower performance, assess risk, and make real-time credit decisions backed by our detailed financial insights and automation.

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FEATURES

What Pulse offers

PROVIDE YOUR CLIENTS WITH UP-TO-THE-MINUTE FINANCIAL GUIDANCE.

Real-Time financial insights

Check in on your client’s performance at any time, ensuring you can deliver timely and accurate advice based on real-time financial data that monitors their KPIs and overall financial health. Through our intuitive portal, you’ll have access to all of their data, consolidated and broken down into easy to understand reports.

 

Our real-time insights help to proactively identify trends, both positive and negative, allowing you to spot potential issues, and give the right advice as and when it is needed. Whether you’re tracking your client’s cash flow fluctuations or analysing their profitability trends, we’ll help you deliver the data driven advice that your client needs to succeed.

  • Instant access to client data from anywhere: Our 24/7 web-based portal lets you monitor your clients’ financial health in real-time, meaning you’ll always have the data you need to provide the right advice.

  • Proactive guidance: We’ll help you spot financial issues or beneficial trends early, and with them, you can offer proactive solutions to your clients to keep them on the right track.

  • Customisable platform: With Pulse you can view real-time data across multiple clients and industries, ensuring it’s easy to track performance and offer strategic recommendations.

  • Better client communication: With our actionable insights you can also engage clients as and when you spot trends, keeping them up to date with data that guides their business decisions.

  • Scenario analysis: Our fintech will help you run through different financial scenarios, in turn helping your clients assess potential market rundowns or internal inefficiencies, adding more value to your role as advisor.

  • Trend identification: Our platform also helps you identify the financial patterns of your clients over time, meaning you can predict future performance and support the long term growth of their business.

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SAFEGUARD YOUR CLIENTS FROM FINANCIAL RISKS WITH REAL-TIME ALERTS.

Fraud detection and prevention

Our platform grants you access to powerful risk management tools that will help you monitor your clients’ financial data for signs of distress. From missed payments to declining cash flow, Pulse will provide real-time alerts that notify you of any potential risks, and allow you to quickly guide your clients through tough situations.

 

We support advisors in reducing their clients’ exposure to financial risks by continuously tracking their KPIs, allowing you a complete overview of their business health, and equipping you with the right data to offer the best strategic advice.

  • Real-time risk alerts: Our tool delivers instant notifications when financial risks emerge for your clients, such as cash flow issues or missed payments, helping you to act quickly and protect their interests.

  • Proactive risk management: Use our actionable insights to proactively guide your clients through financial challenges, offering solutions that will keep their business secure.

  • Continuous monitoring: By keeping track of your client’s key financial indicators, you can address any risks to their business before they become major issues.

  • Secure financial processes: Our fintech enables you to implement secure financial strategies for your clients to reduce their exposure to fraud and financial loss.

  • Detecting financial risks: Through our portal, you can quickly identify risks such as liquidity shortages or debt accumulation, and through our insights into liabilities and expenditure, keep your clients risk free.

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Refined credit assessment processes

Through our Open Accounting and Open Banking integrations, and the real-time insights that our platform delivers into your borrowers’ financial health, you can use Pulse to make informed lending decisions with greater confidence. Our platform will refine your credit assessment process by offering insights into a borrower’s cash flow, ensuring any potential loan terms align with their long-term financial capabilities.

 

This entire process is intended to speed up your lending decisions while allowing you to structure your loans with repayment terms tailored to each borrower’s capabilities, ensuring both parties benefit, and because our platform continuously monitors risks across your entire loan portfolio, you can maintain balanced risk management across all of your clients.

  • Automated credit assessments: Our platform can automate the credit assessment process by using standardised financial data to provide real-time, accurate feedback, basing checks on current data.

  • Accurate risk management: Pulse generates a complete and accurate picture of each borrower’s financial health, allowing you to assess stability and make more informed loan approval decisions.

  • Loan structuring: With a complete picture of your client’s financial data, from both tracking cash flow and understanding a borrower’s repayment ability, we help you create loans that are best suited and aligned with your client’s financial capacity.

  • Faster lending decisions: Pulse reduces the time it takes to assess creditworthiness enabling you to approve loans both more quickly and more accurately.

  • Portfolio risk monitoring: We will help you keep track of any risk across your entire loan portfolio, and all of it is monitored at all times, identifying problems early regardless of the size of your client list.

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OFFER CUSTOMISED FINANCIAL SOLUTIONS TAILORED TO EACH CLIENT’S NEEDS.

Personalised client solutions

With Pulse you’ll gain access to detailed insights that cover your clients’ financial performances, meaning you can offer personalised solutions that align with their business goals. Whether they want to secure a new loan or are looking to adjust their current repayment schedules, you can guide them through their financial planning with their complete data at hand.

 

We’ll also help you strengthen client relationships by providing this personalised approach, delivering actionable insights that address their challenges, and with the real-time data we generate, you can offer the right solutions to enhance client satisfaction and drive their long-term success.

  • Tailored financial advice: With our insights, you can offer personalised recommendations that align with your client’s financial situation and business objectives.

  • Customisable loan structuring: You’ll help clients optimise loan terms and repayment schedules based on their financial capabilities, helping them reduce risk while improving their financial health.

  • Proactive client engagement: Use Pulse to stay ahead of your client’s needs, offering them timely and tailored solutions to their business challenges.

  • Strengthened client relationships: Our platform helps you build long term client loyalty by providing accurate, personalised financial solutions that adapt with the growth of their business.

  • Proactive corrections: By tracking all of your clients’ KPIs, you can suggest corrective measures to them before any potential problems worsen.

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EMPOWER YOUR CLIENTS WITH DATA-BACKED FINANCIAL GUIDANCE

Data-driven decision making

Gain access to powerful insights that will help you guide your clients towards better financial decisions. Our platform consolidates real-time financial data from cash flow to expenses and allows you to provide accurate advice that is rooted in your client’s current financial situation.

 

Whether your clients are deciding where to invest or trying to figure out how to streamline their operations, Pulse will provide you with all the tools you need to help them make the most informed decisions for their business.

  • Informed resource allocation: We’ll help you help clients allocate their resources more effectively, delivering data driven recommendations based on their financial performance.

  • Risk management: Using real-time data you can identify your clients’ financial risks early, giving them the information they need to mitigate potential losses before they even rise.

  • Strategic growth planning: With Pulse, you can support your clients by developing long term growth strategies with them, based on insights into their market trends and financial benchmarks.

  • Scenario planning: You can use Pulse’s forecasting tools to model different financial scenarios for your clients and use them to support their decisions for scaling and investing.

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HELP YOUR CLIENTS IMPROVE THEIR CREDITWORTHINESS WITH DATA DRIVEN INSIGHTS.

Business credit score

By monitoring cash flow and profitability, along with other direct financial indicators, you can guide your clients towards a stronger financial standing, helping them to improve their business credit score and secure better loan terms, all while reducing any risk to ongoing credit.

 

By using Pulse to identify changes in client’s financial health, you can actively assess any risks that would affect their credit profiling, and by recommending ways to improve their financial standing based on the insights we provide, you can help ensure your clients build their creditworthiness over time.

  • Proactive credit risk management: Use the financial data Pulse provides to assess credit risk early, and provide your clients with the actionable advice they need to improve their creditworthiness.

  • Improved loan terms: Our platform helps your clients secure better financing by guiding them towards ongoing improved financial health, and improving their credit profile.

  • Monitored financial health: With Pulse you can track your clients’ cash flow, expenses, and profitability, to identify any risks that may have a negative effect on their credit standing.

  • Strategic financial advice: Through our intuitive portal you can provide data driven recommendations to your clients, helping to optimise their finances and strengthen their creditworthiness over time.

  • Credit risk identification: We’ll help you analyse your clients’ payment behaviours to predict potential cash shortages, giving them time to adjust and maintain their creditworthiness.

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Industry Benchmarking

Debtor Analysis

Cashflow Forecasting

Pulse GPT

PROCESS

How it works

Setting up is effortless, letting you sync your systems and monitor cash flow instantly. Start your journey by following the steps below.

STEP 1

Join Pulse using our quick and easy registration process 

STEP 2

Invite your clients and get your portfolio set up in a few clicks

STEP 3

Guide your clients to seamlessly connect their bank accounts and accounting software

STEP 4

Access your complete client portfolio and see real-time updates from the moment you log in 

STEP 5

View business goals set by your clients and track their progress to provide expert guidance

PROTECTION

Safe and secure, as it should be

Built on trusted protocols and certified by Cyber Essentials Plus, we make it our priority to deliver class-leading security. Leveraging the power of Microsoft Azure, Pulse ensures your data is managed on a secure, reliable, and scalable platform. We protect your financial information with comprehensive encryption, both at rest and in transit, and employ stringent security measures such as multi-factor authentication, geo-fencing, and IP restrictions to block unauthorised access.

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Remember

Every device and user in the Pulse network benefits from enhanced protection through Microsoft Entra ID, guaranteeing the security of your digital identity at all turns.

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PARTNER ECOSYSTEM

Who we work with

At the heart of Pulse, we work with some of the market leading technology and service providers to deliver the best product capabilities and solutions for SMEs. Whether you’re looking to streamline operations, enhance your marketing strategies, or explore new financial technologies, our marketplace is your gateway to a world of expertise.

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Be a part of our Partner Ecosystem

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TESTIMONIALS

Why work with us?

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“We are very excited about working with Pulse, the platform is simple and effective and we are excited about their feature roadmap which will ensure it continues to deliver significant value for our clients and introducers.“
Wayne Griffiths

Managing Director, One Financial Solutions

“Pulse’s role in managing our loan portfolio is invaluable, helping us monitor and mitigate risks effectively. It’s an essential tool that safeguards our financial stability and drives sustainable growth in the SME market.”
David Barley

Head of Risk, Nucleus Commercial Finance

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FAQs

How does Pulse help business advisors serve their clients?

Through third-party, read-only access, Pulse helps business advisors generate automated, accurate financial reports that contribute towards a complete picture of their client’s financial health. Advisors can then use this information when they are guiding their client, without the need for extensive manual data gathering and analysis.

Pulse’s groundbreaking interface takes regular fintech integrations a step further. Through the read-only access that Pulse is given permission to, our interface provides key performance data reports, like turnover trends, profits and losses, plus margin and liquidity analysis. Monthly reports are then sent to our clients, and they are given actionable insights to help keep their business running smoothly.

Our client’s management accounts are also kept up to date through Pulse’s real-time analytics, keeping them informed about their business’s financial status, and helping them stay on track towards their goals. When it comes to strategic planning or seeking finance, our easy-to-understand data can be presented to stakeholders or potential lenders, completely digitally, increasing the chances of successful outcomes.

How can Pulse improve decision-making for business advisors?

Using Open Banking and Open Accounting, Pulse can provide business advisors with all the real-time financial data and cash flow projections of their clients through frequent monthly reports. Data is provided through an easy-to-understand interface, meaning advisors can help their clients make informed, data-driven decisions regarding business strategy and financial planning.

The financial insights Pulse gleans through its Open Banking and Open Accounting integrations make it a groundbreaking tool for business advisors, significantly enhancing risk assessment and helping with their decision-making. Equipped with full and frequent analysis of company accounts, advisors can gain a complete picture of a client’s financial health.

Based on a client’s management accounts, advisors can not only determine the correct strategies and recommendations with a greater degree of confidence, but the financial data they have will also streamline the advisory process. Advisors can quickly see if a client’s finances align with their business plan, then present this data to stakeholders or potential partners with concise and clear information, helping to ensure their proposals are seen in the most convincing light.

Can Pulse make business advising more efficient?

Yes! There are a number of extremely valuable ways in which Pulse’s easy-to-use, intuitive interface can improve a business advisor’s ability to be more efficient in successfully guiding their clients.

Due to the way Pulse delivers its financial insights through integrating with users’ Open Banking and Open Accounting data, advisors no longer need to rendezvous with their client’s accounting team, nor rely on important financial details to be gathered before they can access those all-important management accounts, revealing business liabilities or profit and loss statements.

More than this, Pulse delivers important business trends that can help advisors provide accurate information and recommendations to their clients, increasing the chances of successful outcomes. Readily available business analytics will save advisors time and resources, ultimately leading to faster turnarounds for both the advisor and their client.

To learn how to sign up to Pulse, or to speak to one of our team members to find out more, feel free to get into contact with our team at any time!

How can Pulse personalise business advisory services?

Pulse creates unique, data-driven strategies for individual clients, attuned to their own business needs. As a result, a business advisor can use these metrics to develop trust and a personalized experience for their clients. By having a client’s financial data all consolidated into a single interface, an advisor can gain instant access to a business’s important financial data, namely its turnover, profit and loss, margin and liquidity figures, and help them figure out the best possible strategies.

Pulse goes further than other current fintechs on the market. Through its interface, it presents ways for professionals like business advisors to access their client’s business data without the need to wait on human resources. While the traditional delivery of consistent management accounts requires the use of an accountant, Pulse can deliver guaranteed monthly reports while eliminating any chance of human error. It is accurate, fast, and can present tailored financial insights to anyone who has been granted access.

Demonstrating that you understand the financial intricacies of your client’s business is an ideal way to show professionalism and develop rapport. The tailored financial data Pulse produces means you will have a superior grasp of their finances, and can give unique advice on a case-by-case basis.

A personalised approach to each client will not only improve client satisfaction, but trust is a proven factor in increasing client retention, helping to get ahead of the competition. Your clients will receive a superior service, and the advisor can reap the benefits of more business!

Is Pulse safe and secure for business advisory clients?

Pulse is FCA compliant, and we take our clients’ financial information with utmost seriousness, ensuring data security and regulatory compliance. As with other fintechs, like Open Banking and Open Accounting, which Pulse integrates with to produce its actionable financial reports, Pulse is a third-party, read-only program, capable of viewing data that it has been granted explicit access to.

If a client chooses to share their financial reports with a business advisor, both parties can rest assured that the data will remain secure and confidential. Once a client has provided us with access, they will start reaping the benefits of Pulse’s analysis-driven data solutions, which in turn will produce frequent, invaluable management account updates that both they and their advisors can benefit from.

For more information, explore the entirety of what Pulse has to offer here.

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