🫀 Embat PULSE
A 0-100 financial-health score a finance director can check by hand, and a
product around it that tells the story of one company at a time.
HackSpain 2026 · Embat challenge
💡 The idea
PULSE (Payment, Underwriting, Liquidity & Solvency Estimate) is a
financial-health score for SMEs built only from what a treasury platform
already knows: bank movements, balances, debt lines and, when the company has
an ERP, its invoices. Around the score the product gives each company a
six-month forecast with its band of uncertainty, alerts when the score really
moves, the variables with the most points to win, and the financing products
that fit its situation, priced and explained.
Embat set the challenge: take a deliberately corrupted dataset of 1,286
companies and turn it into something a finance director would trust and use
every month. Our answer is one number that fits on a ruler, seven tabs that
follow the questions a reader asks, and nothing between the two but a folder of
JSON files.
👀 What a finance team sees
One company per screen, chosen from the header. Every tab answers one question,
in the order a reader asks them:
| Tab | The question |
|---|
| PULSE | How am I? The score of the last close on the band ruler, its change, and the trajectory with the +1..+6 m forecast. |
| Diagnóstico | Where is the score decided? A mosaic of the 11 variables by pillar, each cell sized by its weight and coloured by its band. |
| Acción | What do I fix first? The three variables with the most points to gain, each with the plan that would collect them. |
| Detalle | Show me the numbers. Any month opened in full, the forecast by horizon, month-by-month tables, a worked example. |
| Alertas | Did something really change? Open episodes with the probability that they last, and the history of closed ones. |
| Financiación | What product fits, for how much, at what price? Eligible products with the rate broken into components, and the lever that lowers it. |
| Método | How is it computed? The score explained without finance, with drawings, one real month added by hand and a glossary. |
Nexo, the assistant, sits on every page. It answers about the open company
in context and draws the same charts the pages use. Without an API key it
replays deterministic demo answers, so the whole product works offline.
🎯 Decisions we made for that reader
Every trade-off was settled by asking what a treasury team would trust.
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