Smarter Decisions for Modern Revenue Businesses by AURA
AURA is the intelligence layer behind every ECL capital decision, built to understand how AI and SaaS companies operate. So funding decisions are faster and fairer!
Underwriting Needed New Tech, So We Built It
Most underwriting systems were designed decades ago for asset-heavy, linear businesses. AI and SaaS don’t work that way.
Revenue today is shaped by subscriptions, renewals, usage patterns, deferred revenue, contracts, and global cash flows- signals legacy models either miss or misinterpret. That usually means slower decision times, smaller checks, or flat-out rejection.
AURA was built specifically for recurring-revenue businesses. AURA (Agentic Underwriting & Risk Analytics) is ECL’s proprietary decisioning engine for AI and SaaS companies.
It replaces rigid templates with a system that understands growth dynamics, evaluates risk in context, and surfaces why a decision looks the way it does.
The result?
More accurate underwriting → faster approvals → more funding opportunity.
AURA is
AURA is not
What AURA Unlocks
Accurate Assessments
AURA evaluates signals that matter for AI and SaaS, from retention and renewals to contracted revenue and unit economics, so the strengths you’ve built actually show up in the decision.
Faster Decisions
Automated data ingestion and structured scoring allow AURA to deliver 95% of ECL decisions within 72 hours, without long review cycles or constant follow-ups.
Fairer Outcomes
When recurring revenue is understood in context, decisions become more balanced. AURA evaluates fundamentals as they exist today, not through frameworks designed for very different businesses.
Examples On How AURA Understands Instinctively
When retention is strong but cash timing shifts
Recurring revenue is trending up, but the bank balance dips because of payroll or annual vendor payments. AURA recognizes retention strength and doesn’t mistake timing for weaknes
When revenue is committed but not yet collected
Deposits may lag, but signed contracts lock in future revenue and billing schedules. AURA reads what’s committed, not just what’s already landed.
When usage-based revenue looks uneven (but isn’t risky)
Month-to-month swings are normal in usage and seasonal models. AURA distinguishes healthy variability from genuine risk, so normal patterns aren’t misread.
How AURA Works
AURA: Agentic Underwriting & Risk Analytics
Bring the Data Together
AURA ingests banking data from statements, PDFs, or direct connections, cleans it up, normalizes currencies, and creates a single, reliable view of cash movement.
Structure financial performance
Financial statements are translated into structured drivers and trendlines, allowing performance to be evaluated over time and not as isolated snapshots.
Turn Contracts Into Risk Signals
AURA reads contracts to surface committed revenue, billing schedules, and renewal or termination risk, transforming legal complexity into clear decision inputs.
Build Counterparty Context
AURA builds context around customers, vendors, and partners to reflect the environment the business operates considering who the business depends on, not just the numbers on paper.
Generate a Clear Recommendation
All signals come together into a decisioning view that explains the outcome, highlights key drivers, and shows confidence levels.
FAQs: Understanding AURA
AURA stands for Agentic Underwriting & Risk Analytics. It’s Efficient Capital Labs’ proprietary decisioning engine built specifically for AI and SaaS businesses.
Traditional models were built for asset-heavy, linear businesses. AURA is designed for recurring revenue, subscriptions, usage-based models, and global operations — where timing, retention, and contracts matter as much as cash in the bank.
No. AURA structures and analyzes complex data to inform decisions, but outcomes are reviewed within ECL’s decision framework. AURA provides clarity — not autopilot.
AURA evaluates banking data, financial statements, contracts, and counterparty information. Together, these inputs create a more complete view of how a business actually operates.
AURA enables 95% of ECL decisions to be delivered within 72 hours for most applicants, by automating data ingestion and structuring analysis upfront.
Because founders and CFOs need to understand why an outcome looks the way it does. Explainability allows teams to trust decisions and act on them — whether the answer is yes, no, or not yet.
Yes. All data processed by AURA is handled using secure systems and strict access controls, aligned with enterprise-grade security and compliance standards.