Lesson 6 of 6

Using cash flow in the lending decision: amounts, fairness and monitoring

The measures and signals of the earlier lessons only matter once they change a decision. This lesson shows where cash flow can sit in the decision, how it sets the instalment and the amount, how to check it against what the applicant declared, how to explain a decline, which data to keep out, and how to watch loans and signals after the money is paid out.

Published 20 October 2026