MoneyThumb Cash Flow Analysis

The MoneyThumb Cash Flow Analysis Workflow Builder block processes business bank-statement PDFs. It represents moneythumb_cfa and moneythumb_transactions, combining statement analytics with normalized accounts and transactions.

Requirements

MoneyThumb Cash Flow Analysis

Application field	Requirement	Notes
Bank statement files	Required	PDF only; Plaid connections are not accepted as a source.

MoneyThumb Transactions

Application field	Requirement	Notes
MoneyThumb book data	Required	Must contain at least one processed bank statement from a completed MoneyThumb Cash Flow Analysis run.

API flow

Upload the application’s bank statements as bank-statement PDF files.
Call Enrich Business Credit Application with provider: "moneythumb_cfa".
Wait for statement processing and the MoneyThumb verification webhook to finish.
Run moneythumb_transactions after the MoneyThumb book exists.
Poll Get Commercial Data with both service filters.

{
  "provider": "moneythumb_cfa"
}

The Transactions job requires an existing MoneyThumb book and at least one statement in that book. Running Transactions first produces no transaction result.

Data Orchestration availability and flow

The block is available in the Cash Flow Analysis group for business entities. It represents both related services. Statement analysis creates the book and may remain in progress until verification completes; transaction retrieval follows from that book. Re-running the block processes the current eligible statement set.

What the service returns

Result area	Response path	Meaning
Lifecycle	`data.statuses.moneythumb_cfa` and `data.statuses.moneythumb_transactions`	Latest execution message for each service.
Statement analytics	`data.commercial_data.moneythumb_cfa`	Revenue, statement summaries, balances, cash flows, negative days, transfers, NSF/overdraft events, and MCA or recovery groupings.
Normalized transactions	`data.commercial_data.moneythumb_transactions`	Accounts, statement periods, and transaction rows.
Verification	`data.commercial_data.moneythumb_verification`	Latest MoneyThumb book-verification result when present.

Representative response

{
  "data": {
    "commercial_data": {
      "moneythumb_cfa": {
        "Revenue Statistics": [{"Label": "Revenue", "Monthly": "42500.00", "Annual": "510000.00"}],
        "Statements Summary": [{
          "Account": "xxxx0000",
          "Bank Name": "Example Bank",
          "Statement Month": "August",
          "Statement Year": "2026",
          "Avg Balance": "12840.22",
          "Total Credits": "48750.00",
          "Total Debits": "39100.00"
        }]
      },
      "moneythumb_transactions": {
        "Accounts": [{
          "Account Name": "Example Bank",
          "Account Number": "xxxx0000",
          "Statements": [{
            "startdate": "2026-08-01",
            "enddate": "2026-08-31",
            "Transactions": [{
              "id": 1001,
              "date": "2026-08-15",
              "description": "Example deposit",
              "amount": 2500,
              "trueval": true
            }]
          }]
        }]
      }
    }
  }
}

Field meanings

Field	Type	Meaning
`Revenue Statistics`	Array	Provider-calculated monthly and annual revenue summaries.
`Statements Summary`	Array	Per-account, per-statement metrics such as balances, credits, debits, negative days, and NSF/overdraft counts.
`Daily Balances`	Array	Date-keyed balances by account.
`Daily Cash Flows`, `Monthly Cash Flows`	Array	Net cash-flow observations by account and period.
`Monthly Negative Days`	Array	Dates and counts on which the account balance was negative.
`MCA Companies`, `Monthly MCA`, `MCA Transactions`	Arrays	Provider-classified merchant-cash-advance counterparties and activity.
`Accounts`	Array	Accounts represented in the normalized transaction result.
`Statements`	Array	Statement date ranges and their transactions.
`amount`	Number	Transaction amount as returned by MoneyThumb.
`trueval`	Boolean	MoneyThumb’s classification of the transaction as a “true” transaction. It is not a fraud verdict.

MoneyThumb uses provider-defined, title-cased keys in CFA results. Empty arrays mean that no records were returned for that section. Numeric values may be strings, so consumers should not coerce fields without validating them.

Errors and statuses

Signal	Meaning
No MoneyThumb book	CFA has not created a book; run `moneythumb_cfa` first.
Book has no statements	No transaction fetch occurs. Attach valid statement PDFs and rerun CFA.
`Started`	Upload or verification is still processing.
`Success`	Lendflow stored the service result.
HTTP `422`	The service is disabled or request options are invalid.
Failure message	Check statement readability, credentials, and the MoneyThumb verification result before retrying.

FAQ

Can MoneyThumb analyze a Plaid connection?

No. The current block uses uploaded bank-statement PDFs.

Why are CFA and transactions separate results?

CFA stores analysis sections, while moneythumb_transactions stores normalized accounts, statement periods, and transactions from the created book.

Does a queued CFA request mean results are ready?

No. MoneyThumb may verify the book asynchronously. Poll both lifecycle statuses before reading the final data.