Navigating the Accounts page – Ocrolus

The Accounts page summarizes key account and cash flow information quickly by bank account or at the book level.

Account summary

The information at the top of the Accounts page provides a summary of all accounts within the book and displays key cash flow metrics for each account. This is key information that helps a lender assess how reliable their cash flow may be.

Available metrics include

Account holder
Account number
Beginning date
Beginning balance
Ending date
Ending balance
Average daily balance
Average transactions size
Days of negative balance
Max deposit
Max withdraw
Average deposit
Average withdraw

Cash Flow at a Glance

Beneath the Account Summary information contains aggregated metrics across all accounts within the book. This is key data that helps a lender understand a borrower’s overall financial health.

Cash Flow at a Glance

Available metrics include:

Debt coverage ratio
Total loan payments
Total revenue
Total expenses
Total NSF count

Visualizations

The Dashboard provides three interactive visualizations that help lenders visualize their borrowers' cash flow and spending habits.

Balance History
Revenue vs. Expense
Summary by Transaction Tag

All visualizations and their underlying data can be downloaded by using the Export option in the top right corner of the visualizations.

Export functionality on visualizations

Data that is used to generate the Revenue vs. Expense and Summary by Transaction Tag visualizations can be updated on the Transactions page (see here for more details). Any adjustments made to revenue or transaction tags on the Transactions page will be reflected on this page and the exportable image or data afterwards.

Balance history (visualization)

This is an interactive visualization that helps you visualize a borrower’s cash flow by account. Users have the ability to see a daily, weekly, or monthly history in addition to exporting the visualization and its underlying data. This visualization helps you easily spot any spikes, declines, or gaps in balance that may require further review.

Balance history visualization

Revenue vs. Expense (visualization)

This is an interactive visualization that helps you visualize a borrower’s Revenue (income) vs. Expense (spending). You have the ability to view the daily, weekly or monthly history here as well in addition to exporting the visualization and its underlying data. This information helps lenders understand the financial health of a borrower and identify trends in revenue and expenses.

All transactions that are tagged as revenue can be viewed on the Transactions page. On the Transactions page you are also able to update any transactions that are included or excluded from revenue.

For more information on how revenue and expenses are defined and calculated, please view the Ocrolus Cash Flow Analytics Guide.

Revenue vs. expense visualization

Summary by Transaction Tag (visualizations)

This is an interactive visualization that helps lenders identify trends for specific transaction tags across all bank accounts. Users can select the transaction tags they would like to view and transaction amounts will be displayed over daily, weekly and monthly time frames. This visualization and its underlying information can also be exported.

If you wish to view details about a given transaction or update any transaction tags associated with a given transaction, you can do so on the Transactions page.

For details about our transaction tags or their definitions, please view the Ocrolus Cash Flow Analytics Guide for more information.

Summary by transaction tag visualization

For more questions or concerns, please feel free to reach out to support@ocrolus.com