Hyperscience Pricing for Lenders in 2026
Sep 10, 2026
Hyperscience pricing for lenders: the $50,000 AWS Marketplace floor, reported per-page rates, contract terms and the real cost per loan file, verified 2026.
Read more →Upload any bank statement and get the metrics that drive the decision: income, cash flow, NSF activity and existing debt.
Upload a document to extract
Drop files here or click to upload
Up to 50 files
Uploading...
Built for lenders, MCA funders, brokers and credit teams
The underwriting snapshot
Computed deterministically from every extracted transaction, not estimated from summary pages. Every figure traceable to its source line.
Deposits grouped into income streams with estimated monthly amounts
Deposits vs withdrawals and net flow, month by month
Carried forward day by day across the full period
Every incident counted, fees totaled, dates listed
Debits to other lenders and funders, grouped by creditor
Days below zero, a direct cash-stress signal
Biggest credits with dates, concentration flagged
Red and yellow flags your analysts review in seconds
How it works
No templates per bank, no manual spreading. Upload and the AI does the reading and the math.
Drop in PDFs, scans or photos, one statement or a multi-month package, from any bank or credit union.
Every transaction is extracted and verified, then cash flow, income streams, NSF activity and debt payments are computed.
Read the underwriting snapshot, download the Excel report, or pull structured JSON into your LOS via API.
Built for lending teams
28 lending document types extracted out of the box, pay stubs, W-2s, tax returns, P&Ls, debt schedules, credit reports, applications, so you can assemble the full picture of an applicant's financial situation.
{
"document_type": "bank_statement",
"status": "completed",
"metrics": {
"estimated_monthly_income": 18540.00,
"avg_daily_balance": 11072.40,
"net_cash_flow": 4945.00,
"nsf_count": 0,
"negative_balance_days": 0,
"monthly_debt_payments": 1260.00
},
"transactions": [
{ "date": "2026-05-02",
"description": "PAYROLL DEPOSIT",
"credit": 6180.00 }
]
}Security & compliance
Encryption in transit and at rest, data-subject controls, and deletion you run yourself. Described exactly as it works today.
We hold no SOC 2 attestation or ISO 27001 certificate today and will not imply otherwise. Security documentation is available on request.
TLS 1.2+ in transit and AES-256 at rest for every document and report.
Data-subject requests answered with in-app export and deletion, no ticket required.
Remove any borrower document at any time. We delete the stored file, not just the row in your list.
Every account confirms its address with an emailed code before it can upload a document.
Invite colleagues into a shared workspace, each signing in with their own account.
Who it's for
From business lenders to MCA desks and forensic accountants, anyone who needs the truth from a bank statement.
Verify income, compute affordability and standardize statement review across every application your team touches.
Learn moreTrue monthly revenue, NSF days and stacking detection, size offers on verified deposits, same call.
Learn moreAutomate the document layer of underwriting and hand your committee a clean, consistent package.
Learn moreCheck the work
You should not take an underwriting figure on faith, so the product is built so you never have to.
Every metric is computed from the extracted transaction list, which you can read line by line next to the original statement page.
Totals, averages, balances and counts are computed in code from those transactions, not estimated by a language model.
Download the full ledger and metrics as XLSX or CSV and reconcile them against the statement in your own spreadsheet.
Analyze your first statements free. Plans from $99/month, 50% off billed annually.
FAQ
It analyzes borrower bank statements for lending decisions: AI extracts every transaction, then computes underwriting metrics, recurring income, monthly cash flow, average daily balance, NSF/overdraft activity, negative balance days and existing loan payments, into a snapshot and downloadable report.
All of them. The AI is format-agnostic, so statements from any bank or credit union work, native PDFs, scans and photos, with no per-bank templates to configure.
Yes. Recurring deposits are grouped into income streams with estimated monthly amounts, and you can cross-check against pay stubs, W-2s, 1099s and tax returns extracted in the same platform.
Debits matching loan, financing and merchant-advance patterns are grouped by creditor with estimated monthly totals, so existing obligations and stacked advances surface immediately.
Yes. Submit statements via REST API and receive the full metrics object plus transactions as structured JSON, built to feed an LOS, CRM or decision engine. You poll the extraction endpoint for the result.
Documents are encrypted in transit and at rest. You can delete any document at any time and the stored file goes with it, and every account verifies its email address before it can upload anything.
Resources
Sep 10, 2026
Hyperscience pricing for lenders: the $50,000 AWS Marketplace floor, reported per-page rates, contract terms and the real cost per loan file, verified 2026.
Read more →Sep 10, 2026
What an accounting data API costs a lender: verified Codat, Merge, Apideck, Rutter and Plaid rates, billing units labeled, and the cost per funded loan math.
Read more →Sep 9, 2026
What document AI actually costs a lender: verified per-page and per-month rates from nine vendors, billing units labeled, and the break-even math.
Read more →