Clear detection of risk signals
Risk often sits in the small patterns that teams cannot spot when working through messy data. Navrisk highlights these patterns in seconds.
Automatic checks show:
• Declining inflows
• Growing reliance on overdraft
• Unusual transfers
• Hidden exposures within group structures
These signals arrive early, not weeks after statements are sent in. That gives teams more time to speak with borrowers and prevent issues from growing.
Real-time monitoring without blind spots
Monitoring needs continuous visibility, not a monthly snapshot. Navrisk runs in the background, pulling fresh data through stable connections and tracking changes across all linked accounts.
Teams gain:
• A full and current cash position
• Liquidity shifts as they happen
• Alerts when spending patterns move away from normal behaviour
Nothing waits for the next reporting cycle.
Fixing the data problem at the source
Most lending platforms focus on reporting. Few solve the core issue: inconsistent data. Navrisk standardises everything first. It applies deep categorisation, backed by machine learning and language models, to understand transactions with accuracy.
It also handles the routine work that slows lenders down, including:
• Connection tracking
• Consent renewals
• Automated email workflows for borrowers
This keeps data flowing without repeated manual follow-up.
Built by lenders, shaped by real credit work
Navrisk was designed by people who have run SME lending teams. They faced the same messy data and slow processing that many lenders still manage today. That experience shaped the platform into a partner rather than a replacement system. It sharpens judgement, it does not override it.
A customer story
One lender used to combine statements by hand, investigate unclear transactions, and wait for late data. Important shifts in borrower behaviour stayed hidden until they became problems.
Since moving to Navrisk:
• Data arrives clean and complete
• Scoring and analysis appear instantly
• Alerts reach the portfolio manager before issues spread
As one user put it: “My task list is smaller and the signals reach me earlier, giving me time to support borrowers.”
About SME Capital
SME Capital was founded to support the growing number of SMEs who face difficulty or frustration in accessing capital through traditional methods. We understand the importance of real and trusted relationships in the SME lending market and have dedicated Regional Directors based across the UK.
By combining traditional lending expertise with the latest in data analytics, we are supporting established UK SMEs with their long-term objectives and business ambitions.
About Navrisk
Navrisk is a lender-built platform that turns scattered SME bank data into clear, reliable insights. It ingests PDF statements and Open Banking feeds, consolidates all accounts and entities, and produces instant metrics, early warnings, and real-time monitoring. By removing manual data work and highlighting meaningful signals, Navrisk helps credit and portfolio teams make faster decisions with greater confidence. It strengthens underwriting, improves oversight, and gives lenders a consistent view of borrower risk without blind spots.
