Underwrite MCA deals in minutes: true monthly revenue from bank statements, NSF and negative-day counts, existing advance detection (stacking), and holdback affordability — computed automatically from every transaction.
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Upload a bank statement and watch the analysis run live — free, no signup required.
MCA underwriting lives and dies on bank statements: real revenue, balance behavior and whether the merchant is already stacked. LenderAnalyzer extracts months of statements in one pass and answers the funder's checklist instantly — average monthly deposits, deposit frequency, NSF/negative days, detected advance payments by funder, and net cash flow to size the offer.
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 automates the statement review behind every advance: extracting transactions, computing monthly revenue and balance metrics, counting NSF/negative days and detecting payments to other funders — the core of an MCA credit decision.
Debits matching advance, loan and financing patterns are grouped by counterparty with estimated monthly totals, so existing positions and their combined daily/weekly burden are visible immediately.
The metrics give you the inputs: average monthly deposits, net cash flow and existing debt service — apply your factor and holdback policy to a verified revenue base instead of a summary page.
As many as your policy requires — 3, 4, 6 or 12 months in one batch, with a month-by-month breakdown and gap detection across the period.
Yes — REST API and webhooks return the full metrics object as JSON, and Excel/CSV exports fit manual desks. Submissions can flow in and scored summaries flow out automatically.
Analyze your first statements free — plans from $99/month, 50% off billed annually.
