Verify bank statements before you lend: extract every transaction, recompute balances, flag inconsistencies, deposit concentration and suspicious patterns that summary pages hide.
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Upload a bank statement and watch the analysis run live — free, no signup required.
Statement fraud is rising because editing a PDF is trivial. Verification needs math: LenderAnalyzer rebuilds the full transaction ledger, recomputes running balances and period totals, and flags where the numbers don't add up — alongside risk signals like concentrated deposits and irregular income patterns. Reviewers see extracted data next to the original image for fast side-by-side checks.
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.
The process of confirming a submitted bank statement is genuine and its figures internally consistent — checking that transactions, running balances and period totals reconcile, and that income patterns look organic.
It recomputes balances from the transaction ledger and compares against stated opening/closing balances; mismatches, impossible sequences and concentration anomalies generate flags for manual review.
Yes — extraction is AI-based and works across bank formats, so verification logic applies uniformly whether the statement comes from Chase, a local credit union or a neobank.
No — it runs as part of the same extraction pass, typically under two minutes per statement, so verification happens before the first human touch.
Flags appear on the analysis with details; your team reviews the highlighted transactions against the source image and decides whether to request originals or decline.
Analyze your first statements free — plans from $99/month, 50% off billed annually.
