Ocrolus, a leader in AI-driven automation and analytics for financial decision-making, has unveiled Encore, a pioneering double opt-in cash flow data sharing platform designed to transform how small business funding decisions are made. The platform creates a unified, secure system for lenders, brokers, and capital providers to share standardized borrower intelligence and make faster, more reliable credit decisions.
Since its founding in 2016, Ocrolus has powered the credit scoring models of over 175 funding organizations, including major players like Square, PayPal, Enova, Rapid Finance, and Bluevine. Its cash flow analytics, trained on more than 15 million applications, have become an industry benchmark for interpreting financial data across the small business lending ecosystem.
By standardizing and securely connecting cash flow data between trusted parties, Encore removes long-standing inefficiencies and security risks in small business financing. Instead of brokers manually emailing PDFs or funders re-analyzing the same data, Encore enables instant, transparent, and trusted data exchanges reducing delays and duplication.
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“Lenders have long relied independently on Lendio for SMB flow and Ocrolus for data standardization and cash flow analytics,” said Trent Miskin, Co-founder and CPO at Lendio. “Encore allows our firms to drive a more streamlined experience that eliminates data-processing duplication, shortening speed to offer and improving the embedded experience that SMBs are demanding.”
David Snitkof, General Manager of SMB at Ocrolus, added, “With Encore, we’re helping brokers and funders say yes more often by enabling them to convert more of their leads, fund larger deals, serve a broader range of industries, and access capital faster and more flexibly.”
Encore is currently available to a select group of early adopters, with a broader rollout planned for January 2026, marking a new era of trusted, data-driven collaboration in small business finance.
