Case Study: Yardline achieves same-day underwriting and faster funding decisions with Ocrolus

Fintech Innovator Yardline Provides Business Capital at eCommerce Speed

Yardline, a fintech that provides capital to eCommerce sellers on platforms like Amazon, eBay, Etsy and Shopify, faced incomplete borrower cash-position data from account aggregators (Plaid) and a slow, manual bank-statement review process that delayed underwriting. To address this gap, Yardline partnered with Ocrolus to capture and digitize bank statements and extract core cash-flow analytics as part of its underwriting workflow.

By integrating Ocrolus’ bank-statement digitization and analytics with Plaid and Yardline’s proprietary credit models, Yardline gets transactional data digitized in under two hours and can issue same-day approvals for most funding requests. Ocrolus’ automation reduced manual review, increased originations, improved credit-risk mitigation, and delivered faster, more accurate funding decisions and a better customer experience.

Yardline

Dennis Chin

Head of Strategic Initiatives