Analyze real cash flow from bank statements: monthly deposits vs withdrawals, net flow trends, average daily balance and income stability, computed from every transaction, not estimated from summaries.
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P&Ls can be massaged; bank statements can't hide the cash. LenderAnalyzer computes cash flow directly from extracted transactions: gross inflows, outflows and net by month, balance behavior across the period, and the recurring streams behind the numbers. Perfect for cash-flow-based lending, MCA sizing and business credit reviews.
Cash flow analysis means different things to a bookkeeper and to a lender. A lender wants the cash the business actually generates and can service debt with, computed from the account, not from a P&L the borrower prepared. Here is what separates a real underwriting cash flow analysis from a summary.
The most common error in a manual cash flow analysis is treating every credit as revenue. Owner deposits, transfers between accounts, loan and advance proceeds and refunds all inflate the top line without representing sales. LenderAnalyzer classifies each credit and strips internal transfers and financing inflows out of the revenue figure, so the monthly number you underwrite on is true operating cash coming in, not a total that flatters the borrower. On a business with heavy inter-account movement the gap between gross deposits and true revenue can be large enough to change the decision.
A single month tells you almost nothing; the shape across the period tells you most of what you need. LenderAnalyzer computes gross inflows, outflows and net cash flow for each month in the statement set and shows the trajectory, so a business that is quietly deteriorating, revenue flat but outflows climbing, stands out from one that is stable or growing. That trend is what cash-flow-based lending and MCA sizing actually rest on, because you are lending against forward capacity, not a point-in-time balance.
The ending balance on a statement is a snapshot that can be timed. Average daily balance, computed across every day in the period, shows how much cash the business really keeps on hand, and the count of negative days and NSF items shows how often it runs out. LenderAnalyzer computes all three from the transaction-level data, so you see whether a healthy-looking month-end balance hides a client that spent three weeks near zero. For MCA and short-term products, that cushion is the difference between a holdback the business can absorb and one that pushes it negative.
Cash flow available for debt service only means something once you know what debt is already being served. LenderAnalyzer detects recurring loan and advance repayments in the outflows, groups them by counterparty and totals the existing monthly debt burden, including merchant cash advances a borrower may not disclose. Subtracting that from net cash flow gives you the real capacity for a new facility, and surfaces stacking before you add to a stack that is already straining the account.
Where each method gets its numbers and what you actually get for a credit decision. Last updated June 2026; third-party pricing changes, so confirm current figures with each vendor.
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| Method | Where the cash flow data comes from | What you get for a credit decision | Pricing |
|---|---|---|---|
| LenderAnalyzer This page | Every transaction extracted from the borrower's bank statement PDFs, so it reflects cleared cash, not bookkeeping | Monthly deposits, withdrawals and net cash flow, average daily balance, NSF and negative days, recurring income and existing-debt detection, computed for you | Self-serve, $99 to $399/mo |
| Accounting reports (QuickBooks, Xero) | Bookkeeping entries from the borrower's own ledger, which you need access to | A P&L and cash flow statement that show how the books were kept; useful context, but adjustable and not a record of cleared cash | Bundled with the borrower's subscription |
| Open banking feeds (Plaid and similar) | A live read of the accounts the borrower agrees to connect | Transaction data for connected accounts only, with coverage gaps when a business won't link every account or uses an unsupported bank | Per-connection / API pricing |
| Generic statement OCR (DocuClipper, MoneyThumb) | Bank statement PDFs converted to spreadsheet rows | A table of transactions, but you build the cash flow metrics, balance recompute and verification yourself | Low monthly cost |
| Manual spreadsheet review | Figures an analyst keys from the statements by hand | A hand-built cash flow spread: accurate but slow, and it varies from one reviewer to the next | Staff time |
Comparison compiled by LenderAnalyzer from public vendor materials, June 2026. Competitor names are trademarks of their respective owners; figures may change, so verify current details with each vendor.
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 measures money moving in and out of an account over time. LenderAnalyzer extracts every bank statement transaction and computes monthly deposits, withdrawals, net cash flow, average daily balance and stability indicators automatically.
Accounting reports reflect bookkeeping entries; statement-based analysis reflects actual cleared cash. For credit decisions, cleared cash is the ground truth, and it requires no access to the borrower's books.
Yes, net monthly cash flow and existing debt-service detection show exactly how much free cash flow remains to support a proposed payment.
The month-by-month breakdown makes seasonality visible immediately, and multi-month packages (6 to 12 months) capture full cycles.
Yes, submit statements through the REST API and receive the full metrics object as JSON, including the monthly series, for your own models and dashboards.
Pull every transaction for the period, total the deposits and withdrawals by month, and subtract to get net cash flow per month. Then layer on average daily balance, NSF and negative-day counts, and recurring income versus existing debt payments. LenderAnalyzer does all of this automatically from the uploaded statements so you read the result instead of building the spread.
Global cash flow analysis combines the business and its owners (or guarantors) into one view, so personal and business inflows and obligations are netted together. It matters when an owner supports the loan personally. LenderAnalyzer can process both the business statements and the guarantor's personal statements and tax returns in the same workspace, so you can build the combined picture from verified figures.
LenderAnalyzer is self-serve with public pricing: Starter $99, Plus $199 and Pro $399 per month, with roughly 50% off on annual plans. Many enterprise cash flow and credit platforms are quote-based and run into five or six figures a year, so a smaller lender or funder can automate cash flow analysis without an enterprise contract.
Yes. Cash flow underwriting decides a loan from real bank statement cash flow rather than a credit score alone, and that is exactly what this tool produces: net monthly cash flow, average daily balance, NSF and negative days, and existing debt service for every uploaded statement. You drop those figures straight into your credit decision, so it works as the cash flow underwriting software layer for term loans, MCAs and small business credit.
How credit teams run these calculations by hand, so you can see exactly what the software automates.
Why lenders decide on money movement rather than a credit score alone.
A full worked file: three months of statements read into a coverage decision.
Combining business and guarantor cash flow without double-counting owner income.
Which expenses legitimately come back into cash flow, and which ones inflate it.
Analyze your first statements free, plans from $99/month, 50% off billed annually.
