Runway
Watch
Cash runway: 14 days
Monitor your cashflow closely to meet your short-term cash commitments.
$8,550 in outstanding invoices — collecting extends runway from 14 to 22 days.
Pulse
Turn connected SMB data into answers that move business forward
AI has changed what people expect from their data — plain-language answers, not another set of charts. Pulse brings banking, accounting, merchant, and other connected business data together to give SMB customers a clearer picture of where they stand, what deserves their attention, and what to do next — all within your digital experience.
Why Pulse
Give SMBs more than a view of their data. Give them clarity.
Small business owners have information everywhere — across bank accounts, accounting platforms, merchant systems, payment tools, and other business apps.
Pulse brings that information together and turns it into insights that answer the questions behind the numbers.
- How is my cash position changing?
- Can I comfortably cover upcoming obligations?
- Is my business growing?
- Which locations are performing best?
- What should I pay attention to next?
Instead of simply presenting data, Pulse helps SMBs understand what it means for their business — in clear, useful language, in real time, without having to share their data with an LLM.
How the value grows
Every connection adds another layer of insight
Pulse starts delivering value from the first connected source. As SMBs connect more of their business, the picture becomes richer and the insights become more useful.
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Connect banking
Give SMBs an immediate view of cash runway, cash direction, spending changes, and unusual activity across connected accounts.
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Add accounting
Put outstanding invoices, upcoming bills, and current cash position into context so SMBs can see where action could make a difference.
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Add merchant data
Bring growth into the picture with revenue trends, average order value, transaction volume, and location-level performance.
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Connect more of the business
Additional sources, like marketing, HR and payroll, create more context across financial and operational performance, helping SMBs see relationships that individual systems cannot show on their own.
One source shows what happened. Connected sources help explain what it means.
Payables
Shortfall
$19,000 in outstanding bills
5 bills overdue or due in the next 14 days, in one place.
Bills due
$19,000
Available cash
$14,000
$14,000 in available cash balance, this will not cover your outstanding bills.
Growth
+18%
Revenue tracking 18% above last February
This February, to date
$61,400
Last February, same point
$52,000
$61,400 month to date vs $52,000 at this point last year. 13 days left in the month.
More than 2×
Businesses seeing cash insights, from banking and accounting data, were more than twice as likely to engage with them as businesses seeing growth insights from merchant data alone. The financial picture is where SMB attention goes first — and it is where a bank or credit union starts from.
For your SMB customers
Make everyday business decisions easier to understand
Pulse turns connected data into insights SMBs can actually use. With Pulse, SMBs can:
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See where they stand with a clearer picture of cash, activity, and financial health.
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Know what deserves attention by bringing invoices, bills, cash position, and other signals into context.
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Understand growth through revenue pace, transaction activity, and sales performance.
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Compare performance across sites or locations when relevant.
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Get answers in plain language rather than having to interpret the figures themselves.
And because those insights change as the business changes, Pulse gives customers a meaningful reason to return to your digital experience.
For your institution
Better insight for your SMBs. Better intelligence for your teams.
The value doesn’t stop with the customer experience.
As SMBs connect more of their business, your institution gains a more complete, consented view of the customer — including financials, cash position, multi-bank relationships, and merchant activity.
That structured intelligence can support:
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More relevant conversations
Help relationship teams understand what is happening in the business before they reach out.
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Better-timed lending opportunities
Use connected financial signals to identify potential needs without relying solely on document requests.
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Stronger relationship and wallet-share opportunities
See a broader picture of the customer and where additional products or services may be relevant.
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A foundation that carries forward
Structured, consented, connected data is what any future AI-led experience will need. Building it now means the groundwork is already done.
Brand and deployment
Your brand. Your experience. Powered by 9Spokes.
Pulse is designed to fit into the digital experience your customers already know.
Configure the experience around your customer base, choose the insights that matter, and deliver them within your own branded channels.
9Spokes works behind the scenes while your institution stays at the center of the SMB relationship.
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See what Pulse can show your SMB customers
See how connected business data becomes clear, useful insight inside your digital experience — and how that same intelligence can help your teams understand customers more deeply.
See the Pulse experience, explore the insights, and discover how it can fit within your brand.
Not ready to talk? See where your SMB experience stands in three minutes.