Use case
RoadmapOverviewPost-fund portfolio monitoring
Post-fund portfolio monitoring with Vyaso re-runs the underwriting analysis on the merchant's bank statements after funding, surfacing post-fund stacking and pattern shifts before they become collections problems.
For: Funder risk teams managing post-funding exposure
Key takeaways
- Re-run analysis on monthly or quarterly statement pulls.
- Detect post-fund stacking — the leading default driver.
- Flag behavioral shifts that change the file's risk profile.
- Feed the early-warning signal into your collections team.
Why post-fund monitoring matters
The window between funding and default for stacked merchants is short — sometimes thirty to sixty days. A monitoring loop that re-checks the merchant's bank statements on a monthly cadence catches the stacking signal early enough for the funder to act.
How it would work in practice
The risk team pulls fresh statements (or the merchant provides them per the funding agreement) and Vyaso re-runs the analysis. New lender deposits in the period since funding are the headline signal. Combined with shifts in adjusted revenue, the early-warning picture is complete.
Frequently asked
Want a deeper guide? A deeper writeup of this use case is on our editorial calendar. In the meantime, request a pilot for a walkthrough on your own files.