Lending-grade statement analysis: verify deposits, compute true cash flow, count NSF days, detect stacked advances and existing debt — and hand your credit committee a clean underwriting report for every applicant.
Upload a document to extract
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Up to 50 files
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Upload a bank statement and watch the analysis run live — free, no signup required.
Generic OCR tools stop at extraction. LenderAnalyzer is built for the questions a lender actually asks: What is the real monthly revenue? Is income stable or seasonal? Are there bounced payments? Is the applicant already stacked with advances? The analysis layer answers those out of the box, on every statement your team uploads.
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.
OCR gives you raw text or transactions. LenderAnalyzer adds the lending layer: average daily balance, monthly cash flow, NSF/overdraft incidents, recurring income detection, existing loan-payment detection and risk flags — the actual inputs to a credit decision.
Yes. Debits matching loan, financing and merchant-cash-advance patterns are grouped by creditor with estimated monthly totals, so stacked obligations surface immediately.
Yes — upload several months at once; the analysis covers the full period with a month-by-month cash flow breakdown and flags gaps in coverage.
Plans support team usage, and the API lets you embed the analysis into your existing intake or LOS workflow so every analyst sees the same standardized report.
Starter is $99/month, Plus $199/month and Pro $399/month — 50% off on annual billing. One avoided bad loan typically covers years of subscription.
Analyze your first statements free — plans from $99/month, 50% off billed annually.
