Upload any borrower bank statement — PDF, scan or photo — and get every transaction extracted plus the underwriting metrics that matter: average daily balance, monthly cash flow, NSF count, recurring income and existing loan payments.
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Upload a bank statement and watch the analysis run live — free, no signup required.
Manually reviewing bank statements takes 30–60 minutes per applicant and important signals get missed. LenderAnalyzer reads any bank's statement format, rebuilds the full transaction history, and computes a lender-ready snapshot in minutes — so your team spends time on decisions, not data entry. Every figure is traceable back to the source transaction.
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 analyzer is software that reads bank statement PDFs or scans, extracts every transaction, and computes underwriting metrics such as average daily balance, monthly deposits, NSF/overdraft incidents, recurring income streams and existing debt payments — replacing manual statement spreading.
LenderAnalyzer is format-agnostic: it uses AI rather than fixed templates, so statements from any US bank or credit union — and most international banks — are parsed correctly, whether they are digital PDFs, scans or photos.
Average daily balance, monthly cash flow (deposits vs withdrawals), net cash flow, NSF and overdraft count with fees, negative balance days, recurring deposit detection with estimated monthly income, existing loan/financing payment detection and deposit concentration.
Yes — download a formatted underwriting report in Excel, export raw transactions to Excel/CSV/JSON, or pull everything programmatically through the API into your LOS or credit model.
Statements are encrypted in transit and at rest, processed under SOC 2 controls, and can be purged automatically after extraction. GDPR compliance, SSO and audit logs are available on enterprise plans.
Analyze your first statements free — plans from $99/month, 50% off billed annually.
