BorrowPulse

BorrowPulse is a web app (with optional mobile alerts) for commercial banks to monitor borrower health between annual reviews. It connects to borrower accounting systems and bank transaction data (where permitted) to track cash balance trends, AR/AP aging, covenant proxy metrics, and “behavioral” signals like missed payroll, tax payments, or sudden vendor concentration. It produces a simple risk timeline, explains what changed, and generates an action checklist for relationship managers (RM) and credit officers. This is an AI + traditional app: AI summarizes anomalies and drafts borrower outreach notes, but the core value is clean data normalization, rules, and auditability. The product is intentionally narrow: early-warning monitoring for existing loan books, not full underwriting. Expect tough integrations and long sales cycles; the MVP should focus on 2–3 accounting sources and a handful of high-signal indicators that reduce surprises in criticized/classified loans.