Everything a lender needs to judge an applicant's financial situation from their bank statements: verified deposits, cash flow trends, balance behavior, returned items and existing debt service — analyzed automatically.
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Upload a bank statement and watch the analysis run live — free, no signup required.
Bank statements are the most honest financial document an applicant has — but only if you read all of them. LenderAnalyzer reads every page, reconstructs the cash flow story, and presents the evidence: how much really comes in each month, how stable it is, what already goes out to other lenders, and where the risk flags are.
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.
Credit scores look backward and miss real-time affordability. Statement analysis shows current income, actual spending, existing debt service and balance stability — the strongest available signal of repayment capacity, especially for thin-file or self-employed applicants.
Most lenders review 3–6 months; MCA funders often 4+. LenderAnalyzer handles any range, builds a month-by-month breakdown, and flags missing months in the coverage period.
NSF and overdraft incidents, negative balance days, negative net cash flow, deposit concentration (one large credit masquerading as revenue), and existing loan or advance payments.
Deterministic metrics computed from every transaction are much harder to game than summary pages. Round-number deposit patterns and concentration flags also help spot manufactured statements; suspicious files can be reviewed against the original image side by side.
Upload a statement on this page for a free live analysis — no signup. Plans start at $99/month when you are ready to run real volume.
Analyze your first statements free — plans from $99/month, 50% off billed annually.
