AssurePulse — what is accumulating, and how quickly?
The rate-of-change half of AssureLens: unusual application, facility, drawdown, utilisation, refinancing and exposure velocity — compared with the book’s own baselines and the borrower’s observable capacity, so accumulation surfaces while it is a conversation, not a provision.
How it works — one level
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What it does
Rate of change, capacity-adjusted, explained
Velocity over 7/30/90-day windows
Applications, enquiries, facilities added, refinancing clusters, drawdown frequency and limit exhaustion — counted deterministically and compared with the entity's own supplied baseline. No baseline means counts are reported, never judged elevated.
Cross-programme accumulation
Facilities opening across different programmes inside one window surface together — the accumulation pattern a single programme's view cannot see.
Exposure velocity per source class
Change in lender-known, bureau-reported and programme exposure between observation dates, side by side — classes may overlap, so deltas are never summed.
Capacity-adjusted velocity
Debt growth against revenue growth, utilisation against operating inflows — in integer basis points with a lender-configured margin. Growth alone is not a signal; growth beyond capacity is.
Repayment and evidence drift
Worsening payment timing against the borrower's own history, bounces, restructuring, past-due progression — plus stale statutory evidence, delayed filings, new charges and contradictions. Clean-with-coverage and clean-without-coverage are different answers.
Explained alerts, worked cases
Every result carries metric, window, baseline, threshold, sources, freshness, confidence, triggering events and limitations. Alerts open append-only cases with assignment, evidence, remediation and a reason-required override — sealed with a content hash.
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Signals only — AssurePulse raises evidence-backed, lender-configured alerts; the lender decides. Designed to reduce periodic-review effort; a pilot target, not a promise.
Works with
AssureMap
The structural baseline velocity is measured against — exposure by source class, facilities, security and capacity around the verified entity.
AssurePlane AssureCLA
A velocity alert on a borrower can prompt review of a co-lent facility — the deliberate boundary: intelligence informs, only AssurePlane’s approved rule pack decides what is a control breach.
AssureMonitor AssureSCF
Deal-level watch on a funded SCF transaction; AssurePulse watches the borrower level across the whole book — complementary lenses, not duplicates.
AssurePulse does not claim real-time observation of sources that refresh periodically, does not prevent fraud or default, and does not make lending decisions. Event-driven where source events are available; periodic where sources refresh periodically.
From the Learn library
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Watch your book’s pulse beside your current process
Shadow mode on one design-partner portfolio — your baselines, your thresholds, your decision.