Ocrolus Cash Flow Analysis

The Ocrolus Cash Flow Analysis Workflow Builder block analyzes business bank data and checks uploaded statements for suspicious activity. The current block represents ocrolus_cfa and ocrolus_suspicious_activity.

Requirements

Ocrolus Cash Flow Analysis

Application field	Requirement	Notes
Plaid transaction data	Conditional	Required when uploaded bank statements are not selected; must contain stored transactions.
Uploaded bank statements	Conditional	Required when Plaid transaction data is not selected; accepts PDF or image-backed statements.

Ocrolus Suspicious Activity

Application field	Requirement	Notes
Ocrolus book data	Required	Created from the selected Plaid transaction data or uploaded bank statements.

API flow

Add the bank statements to the application or complete Plaid and fetch transactions.
Call Enrich Business Credit Application with provider: "ocrolus_cfa".
Optionally set options.bookOption to select the Plaid JSON or bank-statement source. If omitted, Lendflow uses an available source.
Confirm data.onqueue: true.
Poll Get Commercial Data with services[]=ocrolus_cfa.

{
  "provider": "ocrolus_cfa",
  "options": {
    "bookOption": "plaid_json"
  }
}

ocrolus_suspicious_activity is a block-related capability, not a valid standalone commercial-data API service ID. Do not send it as provider or services[]. Suspicious-activity data is fetched as part of the Ocrolus book-processing flow.

Data Orchestration availability and flow

The block is available in the Cash Flow Analysis group for business entities. Ocrolus creates or reuses a book from the selected source. If document verification is required, the job remains in progress until the Ocrolus webhook arrives; otherwise, available book data can be enriched immediately. Multiple Ocrolus operations are coordinated against the same book.

What the service returns

Result area	Response path	Meaning
Lifecycle	`data.statuses.ocrolus_cfa`	Latest CFA execution message.
CFA summary	`data.commercial_data.ocrolus_cfa`	Monthly cash-flow measures.
Book data	`data.commercial_data.ocrolus_books`	Latest book, document-processing, and associated analysis data.
Suspicious activity	Within the latest Ocrolus book data	Document-level suspicious-activity flags when Ocrolus returns them.

Representative response

{
  "data": {
    "statuses": {"ocrolus_cfa": "Success"},
    "commercial_data": {
      "ocrolus_cfa": [{
        "month": 8,
        "year": 2026,
        "estimated_revenue": "42500.00",
        "deposit_sum": "48750.00",
        "withdrawal_sum": "39100.00",
        "daily_balance": "12840.22",
        "deposit_count": 34,
        "transaction_count": 146,
        "nsf": 1,
        "net_cash_flow_sum": 9650
      }]
    }
  }
}

Field meanings

Field	Type	Meaning
`month`, `year`	Integer	Calendar period represented by the summary row.
`estimated_revenue`	Numeric string	Provider-estimated monthly revenue after excluding identified non-revenue credits.
`deposit_sum`	Numeric string	Total credits in the period.
`withdrawal_sum`	Numeric string	Total debits in the period.
`daily_balance`	Numeric string	Average daily ending balance, including weekends.
`deposit_count`	Integer	Number of credit transactions.
`transaction_count`	Integer	Total transaction count.
`nsf`	Integer	Unique NSF and overdraft fees identified for the account and period.
`net_cash_flow_sum`	Number	Net cash flow derived from deposits and withdrawals.
Suspicious-activity flag	Provider-defined object	Identifies a document and pages for which Ocrolus reported a potential issue. Absence does not prove that a document is authentic.

The complete provider response can contain account-level balances, monthly category inflows and outflows, counterparties, loan sources, document statuses, missing periods, and fraud signals. Those provider-defined sections are conditional and are not reproduced here.

Errors and statuses

Signal	Meaning
`A plaid connection with transaction data OR uploaded bank statements are required to perform CFA`	Neither valid source is available.
`A plaid connection with transaction data is required to perform CFA`	Plaid was selected but no stored account transactions exist.
`Uploaded bank statements are required to perform CFA`	Statements were selected but none are attached.
`Invalid book creation option` or HTTP `422`	The selected source or options are invalid.
`Started`	The request or document verification is still in progress.
`Success`	Lendflow stored finished Ocrolus data.
Failure message	Review the latest status and correct the source, credentials, or rejected document before retrying.

FAQ

Can Ocrolus run from either Plaid or uploaded statements?

Yes. Plaid must already contain transaction data. Uploaded statements must be attached as accepted bank-statement files.

Can I call ocrolus_suspicious_activity directly?

No. It appears in the current block’s related services but is intentionally excluded from valid commercial-data service IDs. Run the Ocrolus CFA block and read suspicious activity from the resulting book data.

Why can the status remain Started?

Ocrolus may still be verifying uploaded documents. Lendflow waits for the configured webhook before marking that asynchronous work successful.