$231,704Synthetic business
The builder whose loan masked a fall
fall in revenue hidden inside a small dip in money in
- What was observed
- Total money in fell only $62,176.
- What a generic approach says
- A small dip in an otherwise steady business.
- What the engine read
- A $169,528 loan settlement masked a $231,704 fall in revenue. Three customers who paid $200,493 from January to June 2025 stopped paying, and the main customer fell from $270,908 to $156,108. A new daily facility of $1,520.76 was found from its pattern alone: 59 payments since May 2026.
- What it meant for the decision
- Eight grounded questions for the credit officer, each tied to the evidence behind it.