Onboarding Overview

There are 2 main onboarding processes – one for the Analytics module and one for the Manage module. There may also be a Financials sub-onboarding process.

Analytics Onboarding

Here is what you can generally expect during the onboarding process for the Analytics module:

1. Data Required: Generally, there are four main tables but not all are necessary

   • Customer Data

   • Loan Data

   • Payment Schedules

   • Actual Payments/ Transactions

2. Send sample data file

3. Data Discovery: Schedule call with Analytics onboarding lead

   • Provide overview of your business

   • Review sample data together, discuss calculation methodology etc.

   • Discuss how outlier cases are handled

     • reversed payments/ refunds

     • restructured/ rescheduled loans

     • write-offs/ recoveries

   • Discuss Data Connection

     • database/ warehouse

     • provide SQL queries/ code used internally to calculate for eg.

       • total volume by month/ aggregate

       • total outstanding by month/ aggregate

       • DPD

       • payment splits (if not already calculated and stored in the warehouse)

4. Choose preferred Data Connection for data integration or recurring data feed

   • See Data Connection: SFTP or Fivetran?

5. Analytics onboarding lead will provide instructions on how to set up Data Connection

6. Cascade Debt logins will be issued to users

7. Review and validate data on Analytics module

8. Once Analytics onboarding is complete, users can:

   • Create logins to invite more users

   • See How to Create Logins?

9. Lead time: ~2-3 weeks

Financials Onboarding

The Cascade Debt platform is currently set up to ingest Balance Sheet and P&L statements in Excel format. There will be an initial mapping of these statements to the platform. After this first mapping, users will be able to upload future financial statements directly on the platform.

1. Upload loan documents in a shared Cascade folder, where applicable:

Data Requirements: Balance Sheet statement and Income statement (P&L) in Excel file

• Balance Sheet and P&L must be on separate sheets/ tabs
• All data (including monthly historical) must be in the respective sheet, ie. no separate sheets with year or month suffix in the sheet name.

• The name of the tab needs to be consistent, even for future statements, ie. avoid adding dates to the tab name. For eg. use “P&L” instead of “P&L Q2 2024“

Manage Onboarding

Here is what you can generally expect during the onboarding process for the Manage module:

1. Upload loan documents in a shared Cascade folder, where applicable:
   • Loan and Service Agreement
   • Term Sheet
   • Promissory Note
   • Payment Schedules
   • Existing Reporting, for eg:
     • Borrowing base reports/ debt facility reporting packages
     • Servicing reports
     • Risk summary reports
2. Manage onboarding lead will seek clarification via calls or email
3. Cascade Debt logins will be issued to users (for Manage-only users)
4. Connect Bank Accounts to Cascade Debt Platform, if necessary
   • See Bank Account Integration
5. Review and validate data on Manage module
6. Lead time: ~5-6 weeks, depending on complexity of debt structures