Ocrolus Cash Flow Analytics Guide.xlsx

	A	B	C	D
1	Tag name	Description	Format	Category
2	tolls	Tolls during driving	boolean	Auto
3	truck_stop	Transaction at truck stop areas	boolean	Auto
4	atm	Transaction at physical ATM locations	boolean	Cash
5	debt_consolidator	Transaction associated with debt refinancing and consolidation companies	boolean	Debt
6	factoring	Transaction associated with factoring companies	boolean	Debt
7	fintech	Transaction associated with a fintech company fintech is further split into 2 mutually exclusive categories: fintech_mca and fintech_loan	boolean	Debt
8	fintech_loan	Loan transaction with a fintech company that is not labeled fintech_mca (includes term loans)	boolean	Debt
9	fintech_mca	Transaction with a fintech company that only offers MCAs or a fintech transaction that specifically contains “MCA”, “merchant advance”, etc in the description	boolean	Debt
10	bank_loan	Loan transaction with a traditional bank	boolean	Debt
11	other_loan	Loan transaction that does not fit into fintech_loan or bank_loan	boolean	Debt
12	bank_cash_advance	Cash advance with traditional bank	boolean	Debt
13	sba	Transaction associated with the Small Business Administration	boolean	Debt
14	credit_builder	Transaction with credit builder companies	boolean	Debt
15	withdrawals	Amount less than 0	boolean	Deposits/Withdrawals
16	deposits	Amount greater than 0	boolean	Deposits/Withdrawals
17	large_deposits	Any deposit larger than 1.5x the average amount of all deposits	boolean	Deposits/Withdrawals
18	outside_source_deposits	Deposits that are not internal_transfer or other_transfer	boolean	Deposits/Withdrawals
19	probable_recurring_txns	A transaction is considered recurring if it meets all of the following conditions: 1. It has the exact same amount as another transaction found within the same bank account 2. These transactions occur within 45 days of each other 3. The amount is greater than 10 or less than -10 Description similarity is not considered	boolean	Deposits/Withdrawals
20	expense	Withdrawals that have been included as expense (see formula on Calculations tab)	boolean	Expense
21	crypto	Transaction associated with cryptocurrency and related companies	boolean	Investing
22	investment	Transaction associated with investment and brokerage companies	boolean	Investing
23	nsf	Fees associated with non-sufficient funds events (the associated transaction was denied)	boolean	NSF/Overdraft
24	overdraft	Fees associated with overdraft events (the associated transaction cleared and the account balance went negative)	boolean	NSF/Overdraft
25	returned_item	Items that were returned due to a non-sufficient funds event	boolean	NSF/Overdraft
26	insurance	Transaction associated with insurance premiums or payouts	boolean	Other
27	equipment_lease	Transaction associated with equipment leasing companies	boolean	Other
28	txn_four_zeros	Amount is multiple of $100.00	boolean	Other
29	txn_five_zeros	Amount is multiple of $1000.00	boolean	Other
30	bank	Transaction associated with a traditional bank/depository institution	boolean	Other
31	benefits	Transaction associated with government benefits	boolean	Other
32	card_rewards	Transaction associated with credit card rewards	boolean	Other
33	gambling	Transaction associated with gambling (ex: casino and lottery)	boolean	Other
34	revenue_deduction_other	Transaction that has been removed from revenue but does not fit into other categories	boolean	Other
35	reversed	Transaction that has been reversed	boolean	Other
36	bank_branch	Transaction with a physical bank branch	boolean	Other
37	revenue_deduction	Deposits that have not been included in revenue	boolean	Other
38	venmo_zelle_cashapp	Transaction with Venmo, Zelle, or Cash App	boolean	Payment Processing
39	paypal	Transaction with paypal	boolean	Payment Processing
40	checks	Transaction with a check (physical or electronic)	boolean	Payment Processing
41	debit_card	Debit card transaction	boolean	Payment Processing
42	credit_card	Credit card transaction	boolean	Payment Processing
43	merchant_service	Transaction associated with payment processing companies	boolean	Payment Processing
44	remote	Remote or mobile transactions	boolean	Payment Processing
45	payroll	Transaction associated with payroll activities and companies	boolean	Payroll
46	revenue	Deposits that have been included in revenue (see formula on Calculations tab)	boolean	Revenue
47	state_tax	State tax transaction	boolean	Tax
48	payroll_tax	Payroll tax transaction	boolean	Tax
49	federal_tax	Federal tax transaction	boolean	Tax
50	internal_transfer	Transfer between accounts with the same owner	boolean	Transfer
51	merchant_service_transfer	Transfer to/from a merchant service company	boolean	Transfer
52	wire_transfer	Wire transfer	boolean	Transfer
53	other_transfer	Transfer that does not fit into other categories	boolean	Transfer
54	fintech_loan_source	Clean name of fintech loan provider (if applicable)	string	Debt
55	fintech_mca_source	Clean name of fintech MCA provider (if applicable)	string	Debt
56	counterparty	Standardized identifier of the transaction counterparty	string	Other
57	unreconciled_internal_transfer	An internal transaction is considered unreconciled if we are not able to identify both the bank accounts involved in the internal transfer	boolean	Transfer
58	reconciled_txn_pk	Corresponds to the transaction representing the other side of the internal transaction	int	Transfer
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