Overview
This page outlines key financial and analytical metrics tracked on a monthly and annual basis. These metrics provide visibility into revenue quality, cash flow patterns, profit trends, account health, and other vital financial behaviors that inform underwriting and risk assessment processes.
Glossary of Terms
MoneyThumb Glossary (3).pdf
Thumbprint Fraud Analysis
Thumbprint scores range from 1 to 1000, where 1000 indicates the highest likelihood of fraud.
|
Score Range |
Risk Level |
Guidance |
|---|---|---|
|
700 – 1000 |
High |
Significant fraud markers present. Review immediately. |
|
400 – 699 |
Medium |
Items have been edited. Investigate closely. |
|
Below 400 |
Low |
Generally no significant fraud markers. |
A fraud score of "-1" signifies that the uploaded file is an image-based PDF. Since the OCR engine could not extract the necessary data, fraud analytics were not generated.
Fields Stored
Each attribute is stored at the granularities indicated below.
|
Field |
Metrics Stored |
Description |
|---|---|---|
|
Revenue |
Monthly, Annual |
Total credits recorded per period. |
|
True Revenue |
Monthly, Annual |
Deposits excluding transfers from checking accounts, other lenders, refunds, and returns. |
|
Expenses |
Monthly, Annual |
Total debits recorded per period. |
|
Profit |
Monthly, Annual |
Net of revenue minus expenses per period. |
|
Balance / Days Negative |
Monthly, Annual Balance, Annual Days Negative |
Account balance and count of days the balance was negative. |
|
Non-True Revenue |
Monthly, Annual |
Credits that should not be counted as revenue (transfers, refunds, lender deposits). |
|
Low Days |
Monthly, Annual |
Number of days the balance fell below the configured low-balance threshold. |
|
True Balance |
Monthly, Annual |
Average balance calculated using only true transactions on workdays. |
|
Days with Returns |
Monthly, Annual |
Count of days on which return transactions were recorded. |
|
MCA Withhold Percent |
Monthly, Annual |
Percentage of revenue withheld for Merchant Cash Advance repayment. |
|
Combined Days Negative |
Monthly |
Total days the balance was negative across all accounts in a given month. |
|
Average Monthly Net Revenue |
Monthly, Annual |
Mean net revenue per month, used as a baseline for underwriting decisions. |