Connect your bank account and Standing reads your own cash flow the way a lender eventually will — but for you, first, and in plain language. Not a generic score. A read calibrated to how a business like yours actually runs.
Bank-level security through Australia's Consumer Data Right. You choose what to share, and you can disconnect at any time.
Most tools that check a business's financial position do one of two things: look up a bureau file that was built for lenders and suppliers, or run your books without ever interpreting what the numbers actually mean for a business like yours. Standing does neither.
Forty-five days of negative balance is ordinary for a business waiting on progress payments, and a warning sign for one that settles daily. Standing reads the number against businesses that actually run the way yours does, not a flat average across every industry.
A quiet February is expected for plenty of businesses. Standing compares this month against your own history, not just this month in isolation, so a seasonal dip doesn't get mistaken for a decline.
If something can't be established from your data, Standing says so, rather than guessing and presenting a confident number regardless. A gap in the evidence is not the same as bad news, and the two should never look the same.
Before a big decision, before a loan application, or just because it's useful to actually know — not because someone else needs to know it about you.
Takes about two minutes. You choose which accounts to share, and you can disconnect at any time through your Openfeed account.
Read the Standing privacy policy — different from Luminnovate's main policy, because what happens to your data here is genuinely different.
