The UK has been through a digital transformation, especially with regard to lending and funding access. The government has been encouraging this shift with Open Banking, Open Accounting, and the broader concept of Open Finance. The government has introduced consumer protection regulations and, instead of direct incentives, has focused on creating a conducive environment that enables financial institutions and SaaS companies to innovate and expand.  

Data and SaaS companies like Pulse have created powerful solutions like Pulse’s cash flow forecasting module, aiPredict, and accounts receivable module: DebtorIQ. While Pulse offers various other solutions, this blog will focus on DebtorIQ and how it empowers banks and lenders with real-time borrower monitoring and risk alerts.  

How DebtorIQ Works  

DebtorIQ can seamlessly integrate with a business’s accounting software or existing systems via secure APIs, drawing on real-time invoice and payment data to build a live profile of accounts receivable performance. Lenders and banks can use this data to monitor the creditworthiness of borrowers continuously, and not just at the point of loan origination.  

Where traditional credit models rely on outdated financial statements and static risk assessments, DebtorIQ provides a dynamic lens into a business’s cash flow and customer payment behaviour. This live feed of receivables data enables more timely decision-making and proactive intervention when risk signals begin to rise.  

For example, if a borrower’s top customers begin paying late or reducing invoice values, DebtorIQ can help isolate such trends and trigger alerts. This allows lenders, especially those who deal with invoice financing and credit lines, to check in with the borrower, understand the root cause, and take appropriate action. Whether it’s adjusting credit terms, offering support, or reviewing exposure, it’s about shifting from reactive risk management to a more proactive approach. To learn more about DebtorIQ, contact us today.  

Better Risk Management Without the Guesswork  

One of the key challenges in business lending is how quickly financial health can change or fluctuate. Late payments from a couple of major clients can quickly snowball into a cash flow crisis. DebtorIQ reduces this uncertainty by giving lenders visibility into early warning signs that would otherwise go unnoticed. This is especially vital when repayments and sanctioned funding are directly dependent on payments and receipts, as is the case for revenue-based lending, invoice financing, or credit lines.  

Apart from isolating red flags, DebtorIQ also helps highlight positive trends. Improvements in debtor days, new high-value clients being onboarded, or increased invoice frequency all paint a picture of growing commercial momentum. This means lenders can confidently decide to expand credit limits or offer better terms, knowing they have the data to back up their decision.  

For lenders, this results in fewer defaults, better portfolio health, and the ability to build stronger, longer-term relationships with clients. For businesses, it provides more responsive funding that adapts to their actual performance, not just historical figures and old statistics.  

How DebtorIQ Supports Real-Time Borrower Monitoring and Data-Driven Decisions   

As funding requirements continue to grow in the UK, especially with reference to the growing SME funding gap, solutions like DebtorIQ play a crucial role in supporting sustainable lending models.  

DebtorIQ helps provide real-time receivables data. This enables near-instant credit decisions based on the latest information, rather than stale credit reports or manual inputs. For banks and lenders, the result is greater agility, scalability, and confidence in lending decisions.  

It’s also a huge advantage for businesses applying for funding. Instead of struggling to negotiate better loan terms and reconciling reports, their accounts receivable data speaks directly to the lender, creating a seamless, data-driven experience that’s faster and more effective.  

Tailored Alerts for Actionable Insight  

One of DebtorIQ’s greatest strengths lies in its customisability. Borrowers and lenders can set tailored thresholds and rules that trigger alerts based on the specific risk profiles they’re comfortable with.  

For example, a lender might want to be notified when a borrower’s debtor days increase. Another might prefer alerts when the borrower’s biggest single debtor’s revenue percentage changes. DebtorIQ is designed to be flexible so that alerts are meaningful and aligned with business goals. Both borrowers and lenders can keep tabs on real-time AR data to ensure that the funding remains optimal.  

This allows credit and risk teams to focus on what matters most, rather than wading through data or reacting to generic score changes. It also helps build internal workflows that are built around real-time alerts, ensuring that potential issues are escalated quickly and managed effectively.  

Designed for Collaboration  

Another benefit of DebtorIQ is that it isn’t just a black box for lenders. The insights it generates can be viewed by borrowers, their accountants, or advisors to help create a more collaborative environment.  

Imagine a scenario where a lender receives a risk alert and shares it directly with the borrower or the borrower’s advisor. Together, they can explore why payment patterns have changed, whether it’s a temporary issue, and what steps could be taken to resolve it before it escalates. This shifts the tone from being punitive to more supportive and helps build trust.  

Conclusion  

In an increasingly complex and competitive lending environment, being stagnant isn’t an option. Lenders and banks need tools that provide deeper insights, real-time data, and scalable risk monitoring, without complicating operations. That’s where DebtorIQ delivers.  Pulse has created a solution that empowers banks and lenders to stay ahead of borrower risk, adapt to market shifts, and lend with greater confidence.  For financial institutions that wish to modernise their credit operations and support business growth, DebtorIQ offers a clear and compelling advantage.