Assess real ability to pay. Before deciding.
Declared income, documents provided, classic scoring... Meelo goes further and analyzes real solvency to secure your financial decisions, without slowing down processes.
Why classical approaches fail?
Traditional methods struggle to keep up.
Declarative data that is easy to handle
Static vision, disconnected from financial reality
Long and poorly contextualized decisions
Rejection of profiles that are however solvent
“The Meelo solvency analysis allowed us to anticipate outstanding payments while accepting profiles that were previously refused.”
Credit manager, financial player
2-5s
by analysis
÷ 3
credit risk
Decisions
automated and explainable
A financial analysis based on reality
Solvency score out of 100
Based on revenues, expenses, recurrence and financial stability.
Open Banking & OB-Like
Analysis of bank accounts with extensive coverage (+300 banks).
Dynamic vision of the financial situation
Détection des tensions, comportements atypiques et signaux faibles, y compris après la décision, grâce au mode veille.
Customizable rule engine
Scores and thresholds adapted to your risk policy and products.
Fewer unpaid bills. More fair decisions.
↓ Early delinquencies
↑ Acceptance rate of good profiles
↓ Misassessed credit risk
↑ Portfolio quality and sustainability
Une analyse en 5 étapes
Financial data collection (Open Banking/OB-like)
Analysis of financial flows and behaviors
Solvency scoring & business rules
Decision: acceptance, security or refusal
Suivi continu (mode veille) : détection des signaux faibles après la décision, pour anticiper l'impayé
Meelo solutions mobilized
Solvency — Financial analysis
Data collection at the source
Documentary check
KYC/KYB (depending on the course)
Secure your financial decisions today
