Turn raw transactions into clear cash flow insights
Trusted by leading financial institutions and innovators
How Flinks works
Capture financial data
Use direct bank connectivity or uploaded bank statements to retrieve complete transaction activity for up to 12 months.
Enrich Transactions
Flinks applies categorization and pattern detection to transform raw transactions into structured, meaningful financial data.
Access Actionable Insights
Get cash flow insights through API, webhooks, or dashboard to support underwriting, portfolio monitoring, advising, and other financial workflows.
How Flinks can help
Normalize and standardize financial data
Flinks cleans and structures raw transaction data so it’s consistent across institutions, formats, and sources. This creates a reliable foundation for cash flow analysis, even when data comes from multiple bank accounts or uploaded bank statements.
Understand income sources and stability
Identify employer deposits, government benefits, gig income, merchant revenue, and other transaction types. Evaluate frequency and consistency to understand how predictable income or revenue truly is.
Evaluate recurring obligations and liabilities
Surface monthly commitments such as rent, utilities, telecom, insurance, auto loans, vendor payments, and debt repayments. Identify loan stacking and other hidden liabilities that affect repayment capacity.
Identify risk signals early
Spot NSF activity, overdraft patterns, stop payments, sudden balance drops, irregular spending, and other signs of financial instability. Use these enriched insights to reduce exposure and strengthen risk controls.
How different industries are using Flinks for cash flow analysis
Understand borrower income stability, obligations, and cash flow patterns to strengthen approvals and reduce risk.
Evaluate business financial health, liquidity, and operating trends to support faster, more confident credit decisions.
Gain visibility into customer financial behavior to support better credit strategies and personalized offers.
Strengthen your product with financial infrastructure that delivers clearer cash flow analysis.
Explore our embedded finance solutions
Connect
Allow your customers to connect their bank accounts and gain instant access to data from 15,000+ financial institutions in North America.
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Enrich
Turn raw data into 4,500+ real-time attributes covering transactions, income, cash flow trends, liabilities, NSF, loan stacking, and more.
Upload
Process and verify bank statements and void cheques in real time to prevent fraud, accelerate decisions, and streamline onboarding.
Pay
Simplify account validation, funding, loan repayments, and PAD authorization with one secure payment platform.
Meet with an expert today
Book a 30-minute chat to see how Flinks can help you build seamless financial experiences.
“With Flinks we’re able to onboard thousands of clients daily in a matter of minutes, making a complex process as simple and frictionless as possible.”
Laura Lampe
VP, CX Operations
“With our AI and credit models the more data we have, the better decisions we can make. And Flinks help us by giving us more data. They give us both a macro and micro view of consumer behaviour.”
Jonathon Goler
Chief Risk Officer
“Files are securely transferred from our front-end, which powered by Flinks, to our document repository system for safe-keeping. It has made things a lot easier for our clients.”
Paul von Martels
Vice President