Portfolio Intelligence gives commercial lending teams monthly financial-statement visibility, the key lending ratios, monthly cash-flow tracking, and an early-warning score for every enrolled borrower. Built on the same platform our members use to run and grow their businesses.
Most commercial lending teams see borrower financials once a year, often months after fiscal year-end. Between statements, the lender is working from stale numbers: covenants are tested against old data, deterioration builds quietly, and opportunities walk out the door to whichever lender happens to call that week.
By the time trouble surfaces in an annual statement, it has been building for most of a year — and by the time a borrower asks about financing, they have often already signed with someone else.
Monthly statements instead of an annual package.
A single monthly Health Score that flags deterioration early.
Every enrolled borrower on one comparable dashboard.
Green Leaf Intelligence sits above a borrower's financial systems and unifies their data into a single source of truth: clean monthly financial statements, a proprietary monthly Health Score, and an anonymized benchmark that deepens as the network grows.
When a bank or credit union sponsors membership for a borrower, the borrower receives a banking-focused view of their own business, and the lender receives the Lending Dashboard: a portfolio-level view of monthly financials, lending ratios, cash flow, and Health Score movement for every enrolled borrower — with the borrower's knowledge and consent.
The result is a lending relationship built on current information — faster reviews, earlier warnings, and new opportunities on your screen instead of your competitor's.
Income statement, balance sheet, and cash flow for every enrolled borrower, refreshed monthly from their connected systems — no more waiting for the annual package or chasing interim statements.
The ratios your credit team already lives by, calculated automatically every month: debt service coverage, current ratio, quick ratio, debt-to-equity, net-debt-to-EBITDA, interest coverage, and months of cash on hand. Trendlines show direction, not just point-in-time values.
Live visibility into operating cash flow, free cash flow, receivables aging, and seasonal swings — repayment capacity as it develops, not reconstructed after the fact.
Every borrower carries a monthly Green Leaf Health Score spanning growth, profitability, cash flow, working capital, and leverage. A slipping score is a leading indicator of trouble, flagged months before an annual statement would show it. Set alert thresholds by borrower or across the portfolio.
When new debt appears on a borrower's balance sheet, such as a vehicle or equipment loan placed with another lender, the dashboard flags it as a refinance opportunity. Growth in revenue, backlog, or capital spending is flagged as a signal for expanded credit needs.
Every enrolled borrower on one screen: sortable by Health Score, exposure, ratio trends, and alert status, with anonymized peer context that deepens as the network grows.
The Lending Dashboard puts every enrolled borrower side by side: current Health Score, movement since last month, the ratios that matter, and any open alerts. Click into any borrower for full monthly statements and trend history.
| Borrower | Health Score | Change (Mo) | DSCR | Net Debt / EBITDA | Months of Cash | Alert |
|---|---|---|---|---|---|---|
| Cedar Ridge Landscapes | 84 | +2 | 1.9x | 1.4x | 3.8 | None |
| Summit Mechanical | 77 | 0 | 1.6x | 2.1x | 2.9 | None |
| Lakeside Pool Co. | 71 | -4 | 1.3x | 2.8x | 1.7 | Score decline |
| Ironwood Contracting | 68 | -1 | 1.2x | 3.0x | 1.4 | New equipment loan detected |
| Prairie Property Care | 88 | +3 | 2.2x | 0.9x | 4.6 | Growth signal |
Sample portfolio, illustrative data. Borrower-level drill-down includes full monthly statements, ratio trendlines, cash-flow history, and peer benchmarking.
This is not monitoring software bolted onto a loan file. Enrolled borrowers receive a banking-focused view of their own business — the same monthly statements, ratios, cash flow, and Health Score their lender sees — and can upgrade to full Green Leaf Intelligence membership for the complete picture.
A borrower who watches their own numbers every month runs a stronger business — and a stronger business is a stronger credit. Lenders who sponsor membership are not just protecting a loan; they are giving their best clients a tool that helps them grow, at the lender's expense. It is a retention story as much as a risk story.
Select the borrowers you want in the program. Enrollment can be lender-sponsored as a relationship benefit or required as a condition of new or renewed credit. The borrower signs a standard consent authorizing GLI to share their dashboard with you.
GLI's team onboards each borrower and connects their accounting and related financial systems through a read-only integration. Financial systems only; no operational, HR, or sales systems are touched. The borrower does the approving; your team does nothing technical.
Each month, fresh statements, ratios, cash flow, and Health Scores flow to your Lending Dashboard. Alerts fire automatically on score declines, covenant-relevant ratio movement, new debt appearing on the balance sheet, and growth signals.
Relationship managers walk into every conversation current. Reviews are faster, workouts start earlier, and refinance and expansion opportunities are captured before a competitor sees them.
The institution sponsors a banking-focused membership for its enrolled borrowers and receives the Lending Dashboard across the portfolio. Pricing is per enrolled borrower per month, with institutional tiers by portfolio size. One avoided workout, or one recaptured equipment loan, typically covers a year of the program.
Institutions can enroll a handful of key relationships or an entire segment of the commercial book. Borrowers who want the full picture can upgrade to complete Green Leaf membership on their own.
Nothing is shared with a lender without the borrower's written authorization. Borrowers know exactly what their lender sees, and the borrower view and lender view are drawn from the same underlying data.
GLI connects to borrower financial systems through a read-only integration. We cannot move money, change records, or transact in any connected system, and no operational, HR, or sales systems are connected in this program.
Each institution sees only its own enrolled borrowers. Any benchmarking shown to lenders and members is anonymized. No borrower's identity or financials are ever exposed to other members or other institutions.
Green Leaf Intelligence is not a lender, a broker, or a deal advisor. We earn no commissions and have no position in any credit decision. Our only role is accurate, current intelligence.
Yes. Sharing requires the borrower's written consent at enrollment, and the borrower can see exactly which views are shared. Transparency is a condition of the program.
Monthly financial statements, lending-ratio trends, cash-flow history, the monthly Health Score and its movement, alerts, and anonymized peer context. Lenders do not see the borrower's strategic planning materials.
Dashboards refresh monthly following each borrower's month-end close. Alerts on new debt and significant score movement are generated as part of that monthly cycle.
For this program, financial systems only. GLI connects to QuickBooks Online, QuickBooks Desktop, Xero, and FreshBooks, and can also work from a manual trial balance provided by the borrower each month. No operational, HR, or sales systems are connected. GLI's onboarding team handles the connection with the borrower directly.
Data-integrity checks are part of the platform. GLI flags variances, inconsistencies, and gaps, and works with the borrower to resolve them, which by itself often improves the quality of what the lender receives.
Many institutions choose to make enrollment a condition of new or renewed credit for certain borrower segments, similar to a monthly reporting covenant — except GLI does the work instead of the borrower's bookkeeper.
No. Portfolio Intelligence is an information layer. Credit decisions, covenant enforcement, and risk ratings remain entirely with the institution.
GLI currently serves service-based businesses in the roughly $3M to $30M revenue range across outdoor property services, mechanical and structural trades, and property construction and improvement, with additional cohorts launching.
See the Lending Dashboard with your own portfolio in mind. A demo takes thirty minutes.