Should your cash flow management mean more than your credit score?

Many small or new businesses struggle to access credit because they don’t have an established credit history. But now, with the advent of real-time account activity tracking, ‘cash flow-based underwriting’ could make it possible for financial institutions to extend credit lending based on your business’s cash flow and account management. It could open up credit access to smaller firms in need! What do you think of this type of lending?