How modern credit actually gets operated.
Notes on risk, operations, collections, funds and technology, written for the teams that move modern credit. We also share what we're building at Pruff and why it matters. No fluff.
Bank reconciliation is the bottleneck nobody measures
Everyone optimizes origination. But the month closes downstream: when the bank statement doesn't match the operations, the team rebuilds by hand what the system should already know. How to measure that cost and how to remove it.
Read the note →Bank information now enters Pruff flows directly: fewer manual downloads and transformations, and faster, traceable reconciliation.
Jul 22, 2026Raising a limit or loosening a rule doesn’t affect a single application: it changes the portfolio’s future behaviour. How to test it against your own history.
Jul 15, 2026A monthly report is a dated snapshot. Capital should be traceable from the facility to the operation, the document, the debtor and the payment.
Jul 8, 2026