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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Upload a bank statement and watch the analysis run live — free, no signup required.
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.
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 (6–12 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.
Analyze your first statements free — plans from $99/month, 50% off billed annually.
