For Lenders
Stop making credit decisions on 60-day-old statements.
Traditional financial statements show where a business was. FinTel reports show where it is. For underwriting, covenant monitoring, and credit risk management, the difference is material.
Report Integrity
Fraud risk is minimal by design.
FinTel reports are not self-reported documents. They are only available to businesses that are active FinTel customers — onboarded and managed through a vetted financial advisory firm partner. The borrower cannot produce a FinTel report independently. The advisory firm controls access.
Advisor-controlled access
Reports are produced and delivered through the borrower's CPA or CFO firm. The borrower has no ability to generate or alter them independently.
Vetted client base
Every FinTel customer is an active advisory client. There is no anonymous or self-service access to the reporting platform.
Continuous, not point-in-time
Because reporting is ongoing, a lender can request the most recent data at any time — not a document prepared specifically for the loan application.
The Problem With Statements
By the time you read a statement, the business has already changed.
A business that looked healthy in a 90-day-old statement may have experienced significant changes in vendor relationships, cash flow patterns, or expense controls in the weeks since.
Traditional underwriting can't see that. Covenant monitoring based on quarterly statements can't see it either.
"You're reviewing a photograph of a business that no longer exists exactly as pictured."
FinTel reports give you current operating data — structured, continuous, and produced by the advisory firm that already manages the client relationship.
What FinTel Reports Give Lenders
Current operating reality — not historical reconstruction.
Ongoing monitoring between reporting periods
Continuous visibility means you're not waiting for a quarterly covenant review to know if something has changed. You can see it as it develops.
Early detection of irregular transactions
FinTel surfaces anomalies — duplicate charges, unauthorized spend, vendor drift — before they become material credit events. Early detection is early intervention.
Cleaner conversations with borrowers
Ask for the last 14 days of operating data, not a 60-day-old statement. The conversation changes when both parties are looking at current information.
Traditional statements show history. FinTel shows current operating reality.
Continuous reporting supports faster covenant monitoring and early risk detection.
Improves clarity on cashflow consistency and expense controls.
How to Request FinTel Reports
Two paths to continuous reporting from your borrowers.
Ask borrowers who already use FinTel
If a borrower's advisory firm is already a FinTel partner, reports can be shared directly with you as part of the lending relationship.
Refer borrowers to a FinTel advisory partner
If a borrower doesn't have a FinTel-enabled advisor, we can refer them to a featured partner firm. The advisory relationship is established first; reporting follows.
