Ocrolus, the AI-powered automation and analytics leader in financial decision-making, has unveiled Encore, a double opt-in borrower intelligence platform designed to modernize how small business funding data is shared. Built to eliminate friction between brokers and lenders, Encore establishes a trusted, standardized data-sharing ecosystem that accelerates funding and expands capital access for small businesses.

A New Era of Borrower Intelligence

Since 2016, Ocrolus has provided the cash flow analytics infrastructure underpinning credit scoring for more than 175 lenders, including industry leaders such as Square, PayPal, Enova, Rapid Finance, Bluevine, and Kapitus. Trained on over 15 million funding applications, the company’s analytics have effectively become the universal language for SMB funders interpreting bank data.

With Encore, Ocrolus extends its mission beyond data standardization to intelligent collaboration. The platform enables funders and brokers to share deals instantly using standardized cash flow metrics, replacing error-prone, manual processes with a seamless, secure exchange of verified borrower information.

Solving Long-Standing Funding Frictions

Small business funding has long suffered from inefficient, outdated workflows. Brokers often review PDFs or emailed statements to pre-qualify borrowers, while funders reanalyze the same data from scratch—slowing decision times and creating inconsistencies. In some cases, even digitally collected data from providers like Plaid or Finicity is manually converted to PDFs for email transfer, reintroducing risk and delay.

Encore replaces this patchwork with a real-time, double opt-in system that securely connects trusted parties, eliminating redundant steps while maintaining compliance and data integrity.

“Lenders have long relied independently on Lendio for SMB flow and Ocrolus for cash flow analytics,” said Trent Miskin, Co-founder and CPO at Lendio. “Encore unifies those strengths, removing data duplication and speeding up funding decisions—precisely what SMBs expect in today’s embedded finance landscape.”

Empowering Lenders to Say Yes Faster

According to David Snitkof, General Manager of SMB at Ocrolus, Encore directly supports funders’ top priority—growing origination volume. By creating a shared data environment, the platform enables lenders to convert more leads, approve larger deals, and serve new industries more efficiently.

“With Encore, we’re helping brokers and funders say yes more often,” Snitkof explained. “It’s about turning data transparency into deal velocity.”

Early Adoption and Industry Impact

Encore is currently live with early adopter partners through the end of 2025. Ocrolus plans a wider rollout in January 2026, signaling a major shift toward open, standardized collaboration in SMB lending.

As AI and automation continue to reshape financial workflows, platforms like Encore could mark a turning point in small business financing—bridging trust gaps and redefining what “fast, fair funding” means in an increasingly data-driven market.

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