Jacobs says the cash-flow analysis gives a more complete picture of the borrower's ability to repay than the personal credit scores that Banks typically rely on for small dollar-amount loans.

雅各布说，现金流量分析给出了借款人的偿还能力超过了个人信用评分，银行通常依靠小美元的贷款，对更全面地了解。

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Even when they lend, banks often rely on the personal credit scores of business owners, a rough proxy for solvency, as a shortcut for due diligence.

FORBES: Need A Business Loan? Impress The Algorithm, Not The Loan Officer