Fund with Confidence.Decline with Evidence.
We assess the five vital signs of business health. Then we look deeper — at the behavioral patterns that reveal management quality, operational discipline, and data integrity.
Transaction-level diagnosis, from underwriting through the life of the loan.
Five Business Vital Signs
Behavioral pattern detection
Evidence-grade reporting
Designed with input from SBA lending teams, CDFI credit officers, and community bank risk managers.
Transaction-Level Intelligence
At Every Stage.
Most credit risk accumulates between reporting periods. Helcyon provides continuous visibility — not snapshots, not scores, not AI decisions. Just evidence.
Pre-Funding
Diagnostic Underwriting
Operational evidence before capital is deployed.
- Cash flow consistency and volatility
- Revenue concentration and dependency
- Data integrity indicators
In-Term
Ongoing Credit Intelligence
Structured visibility without dashboards or logins.
- Early deterioration signals
- Threshold-based alerts
- Periodic lender briefs
Post-Default
Default Recovery Intelligence
Documented facts for proceedings and negotiations.
- Timeline reconstruction
- Leakage and deviation analysis
- Evidence-grade reporting
Diagnostic Underwriting Based on
Operational Evidence.
Analyze borrower-authorized transaction data to surface patterns that traditional documents cannot show.
Cash Flow Reality
Actual patterns, timing, and seasonal behavior
Concentration & Dependency
Customer and vendor risk exposure
Data Integrity Signals
Representation consistency and anomaly detection
Diagnostic Output
For credit committee review
Business Vital Signs with status and trend
Executive summary with risk drivers
Concentration and dependency analysis
Data integrity indicators
Attestation and methodology disclosure
Seasonal cash gaps
Visible
Payment timing patterns
Visible
Deposit irregularities
Visible
Sample Alert
Threshold breach notification
2 hours ago
Cash Runway Below 45-Day Threshold
Greenleaf Provisions LLC cash runway declined to 38 days, crossing the threshold set at origination. Burn rate increased 22% over trailing 30 days.
Monthly or quarterly lender brief
Trend analysis vs. origination baseline
Ongoing Credit Intelligence
Structured visibility without dashboards or borrower reporting workflows. Alerts when thresholds break — silence when they don't.
Early Deterioration Signals
Cash compression, margin erosion, concentration shifts — before covenant breach
Periodic Lender Briefs
Monthly or quarterly summaries designed for internal risk discussions
Default Recovery Intelligence
When outcomes deteriorate, documentation quality determines recovery. Transaction-level timeline reconstruction for proceedings and guarantee review.
Timeline Reconstruction
When deterioration began, with transaction evidence
Evidence-Grade Reporting
Court-ready formatting, SBA examiner-ready
Timeline Reconstruction
Evidence package sample
Aug 2025
Loan funded
All vitals nominal at origination
Nov 2025
Margin compression begins
COGS up 18%, pricing unchanged
Jan 2026
Top customer churned
32% revenue concentration lost
Mar 2026
First missed payment
Deterioration began 5 months prior
Built for Regulated Environments
Helcyon was designed from day one for bank and CDFI deployment. Borrower-authorized, read-only, and audit-ready.
Borrower-Authorized
Explicit consent required. Lender never touches credentials.
Read-Only Access
We observe transaction data. We never transact or modify.
SOC 2 Type II
Bank-grade encryption. No PII stored. Audit trail on every access.
Revocable Anytime
Borrower or lender can terminate access immediately.
What Lenders Ask
How does the borrower authorize access?
Borrowers connect their bank account through a secure, lender-branded portal using Plaid or direct bank integration. The process takes under two minutes and requires no IT involvement from the lender.
Does Helcyon make credit decisions?
No. Helcyon provides diagnostic evidence to support your team's judgment. We don't score, recommend, or decide. Credit committees retain full authority.
What does a pilot look like?
Most lenders start with 5-10 loans across underwriting and monitoring. We provide dedicated onboarding, sample reports for your credit policy team, and weekly check-ins during the pilot period.
See What Your Borrowers Look Like
Request a sample diagnostic report based on a representative borrower profile. No commitment, no sales pitch — just evidence.
Or reach us directly: support@helcyon.ai