Purpose-built software that turns borrower bank statements into underwriting decisions: transaction extraction, cash flow analysis, NSF detection, income verification and exportable reports — with an API for your LOS.
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Upload a bank statement and watch the analysis run live — free, no signup required.
Statement analysis software replaces the spreadsheet-and-highlighter workflow credit teams still use today. LenderAnalyzer extracts every transaction from any statement format, classifies deposits and withdrawals, detects recurring income and existing debt service, and assembles the metrics your credit policy needs — consistently, for every file, every time.
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.
It is software that automates reading and interpreting bank statements for credit decisions: OCR plus AI extracts the transactions, then analytics compute balances, cash flow, income streams, NSF activity and debt payments in a standardized report.
Lenders, credit unions, MCA funders, equipment finance and factoring companies, mortgage brokers, property managers screening tenants, and forensic accountants reconstructing income.
The AI models read native PDFs, scans and photos with high accuracy; every extracted value links back to its position in the source document so analysts can verify any number in one click.
Yes — a REST API and webhooks deliver structured JSON for every statement, so results flow straight into your LOS, CRM or credit model. Excel and CSV exports are available for manual workflows.
Plans start at $99/month (Starter), with Plus at $199/month and Pro at $399/month. Annual billing is 50% off. Every plan includes the analysis engine, reports and exports.
Analyze your first statements free — plans from $99/month, 50% off billed annually.
