Financial intelligence / Debt stacking detection
A business with three open positions and one on its application is not necessarily hiding anything—but the gap changes every number that follows. Covmont’s agents read the account and count what is actually being repaid.
The account shows two more repayment patterns than the file disclosed.
Positions are counted from repayment behavior, not from what was declared.
Three recurring repayment patterns, two of which are absent from the application.
Outflows are grouped into recurring patterns by amount, cadence, and payee.
Each pattern is matched against known funder and lender payment behavior.
Detected positions are counted against what the application declared.
Each of these is derived from the account activity itself, not from what the business reported.
How many recurring payments are still active in the account.
Matched from recurring outflow groupsHow much is being repaid on each position, and how often.
Derived from outflow amount and spacingHow much all open positions take from the account each business day.
Aggregated across matched patternsHow much of true revenue is already going toward repayment across all open positions.
Against revenue analysis outputPositions found in the account that were not disclosed on the application.
Counted against the applicationHow repayments occur across the account, rather than being reduced to a single monthly number.
Preserved from transaction activitySynthetic example / not a real business
Two repayment positions are visible in the account but absent from the application.
It can show that financing is being repaid without establishing its remaining balance, terms, or legal form.
Positions that are no longer being repaid are not counted as open positions.
Repayment activity can establish the type of position without establishing who provided the financing.
Recurring activity is only counted when it matches the characteristics of a repayment position.
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