AI bank statement analyser for credit teams: extract every transaction from any statement and get average daily balance, monthly cash flow, unpaid-item counts, recurring income and existing finance commitments — in minutes, not hours.
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Upload a bank statement and watch the analysis run live — free, no signup required.
Whether you call it analysing or analyzing, the job is the same: turn a borrower's bank statements into a reliable picture of affordability. LenderAnalyzer reads statements from any bank, reconstructs the transaction history and serves a credit-ready summary with every figure traceable to its source line.
Computed deterministically from every extracted transaction — every figure traceable to its source line.
Computed across the full statement period, carried forward day by day.
Deposits vs withdrawals and net flow, broken down month by month.
Every insufficient-funds and overdraft incident counted, with fees totaled.
Recurring deposits grouped into income streams with estimated monthly amounts.
Debits to other lenders and funders detected and totaled per month.
Days below zero across the period — a direct stress signal.
The biggest credits with dates and sources, concentration flagged.
Automatic red and yellow flags your analysts can review in seconds.
Drop in PDFs, scans or photos — one statement or a multi-month package, from any bank.
Every transaction is extracted, then cash flow, balances, 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.
28 lending document types extracted out of the box — build the complete picture of an applicant's financial situation.
Common questions from lending and credit teams.
A bank statement analyser is a tool that automatically reads bank statements (PDF, scan or photo), extracts the transactions and calculates affordability metrics — average balances, salary or revenue detection, returned items and existing loan repayments — for lending decisions.
Yes. The analyser is AI-driven rather than template-based, so statements from any bank, building society or credit union are supported without setup.
A typical multi-page statement is extracted and analysed in under two minutes, including the underwriting snapshot and downloadable report.
Yes — recurring credits are grouped into income streams with an estimated monthly amount, and debits matching loan, financing or merchant-advance patterns are flagged with their monthly total.
Export to Excel, CSV or JSON, download the underwriting report, or integrate via the REST API and webhooks.
Analyze your first statements free — plans from $99/month, 50% off billed annually.
