LenderAnalyzer does the borrower analysis behind a private loan. Upload the borrower's bank statements, tax returns and financials and get the cash flow, the DSCR on the subject property, the existing-debt picture and the liquidity check your credit box calls for, with every figure traceable to the page it came from. It sits in front of your LOS, self-serve from $99 a month, no implementation.
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Private lenders move faster than banks, which is the whole point, and the borrower documents are usually messier. A DSCR rental borrower hands over a lease and twelve months of statements from three accounts. A fix-and-flip borrower has a personal 1040, a schedule of prior projects and a bank record that has to prove liquidity for the rehab. A direct lending fund underwrites a middle-market operating company off business returns and interims. The origination and servicing platforms private lenders run, Liquid Logics, LendingWise, Mortgage Automator, are built to manage the pipeline, generate documents and service the loan, but none of them reads the borrower's statements and tells you the cash flow, the coverage and the existing debt. That analysis is still an underwriter in a spreadsheet, and at a shop competing on speed it is the slowest step. LenderAnalyzer automates it. It reads the bank statements, tax returns and financials, extracts every line, and computes the metrics a private credit decision turns on: property or business DSCR, cash available for debt service after add-backs, average daily balance and liquidity, and the recurring debits that reveal a merchant advance or a second loan the borrower did not disclose. It is deliberately not an LOS: it does not originate, generate docs or service the loan. It hands the analysis to whatever platform you already run, through an Excel export or a REST API, so you close faster without keying statements by hand.
Private lending covers everything from a DSCR rental loan to a middle-market unitranche, but the underwriting question is always the same: does the cash flow cover the debt, and is the borrower who they say they are. Here is where automating the document layer moves the needle.
A DSCR rental loan is underwritten on the property, not the borrower's personal income. You take the property's gross rent, subtract taxes, insurance and any HOA, and divide the net by the proposed mortgage payment (principal, interest, taxes and insurance) to get the DSCR. Most private lenders want 1.10x to 1.25x, with pricing that improves as coverage rises and a floor below which the deal fails. LenderAnalyzer reads the lease and the borrower's bank statements, confirms the rent actually lands in the account, and computes the DSCR so the underwriter reviews the number instead of building it from a rent roll and a payment schedule by hand.
Fix-and-flip and bridge borrowers are underwritten on the deal and on liquidity: can the borrower cover the down payment, the carry and their share of the rehab. The bank statements are the record. Reading them by hand for a borrower with three accounts and a stack of transfers is slow, and it is where undisclosed obligations hide. LenderAnalyzer computes average daily balance and true liquidity, flags the recurring debits that signal an existing loan or a merchant cash advance the borrower left off the application, and shows the real cash position, so a lender competing on speed does not trade diligence for it.
A direct lending or private credit fund underwriting a middle-market operating company runs the same analysis a bank does: spread two to three years of business returns and interim financials, add back to cash flow available for debt service, compute leverage and fixed-charge coverage, and build a global cash flow where the sponsor or owner matters. The difference is speed and the absence of a spreading department. LenderAnalyzer produces the spread, the coverage and the ratios from the documents so a lean deal team gets bank-grade analysis without bank-grade headcount, and exports it into the credit memo and the LOS.
Private lending platforms like Liquid Logics, LendingWise and Mortgage Automator run origination, document generation and servicing well. What they do not do is read a borrower's 1040 or twelve months of statements and hand you the cash flow. LenderAnalyzer is that missing analysis layer. It takes the documents in at the underwriting stage, produces the DSCR, cash flow, liquidity and existing-debt figures, and delivers them through an Excel export or a REST API into the LOS you already use. You keep your pipeline and servicing stack; you remove the manual statement reading in front of it.
The reason a borrower pays hard money rates is speed, so anything that slows the underwriter costs the lender deals. Manual bank statement and tax return reading is the slowest, least consistent step, and cutting it is where undisclosed debt slips through. Automating the extraction lets a hard money or bridge lender turn a file in hours with the diligence intact: the DSCR is computed, the liquidity is confirmed against the actual statements, and the existing-debt flags are surfaced, all traceable to the source page for the file and for any capital partner who reviews it.
Where borrower analysis fits next to the origination and servicing platforms private lenders run. Last updated July 2026; the LOS platforms are quote-based, so confirm current pricing with each vendor.
| Software | Best for | What it does | Self-serve | Pricing |
|---|---|---|---|---|
| LenderAnalyzer This page | Private lenders that want fast, consistent borrower analysis in front of their LOS | Reads bank statements, tax returns and financials; computes DSCR, cash flow, liquidity and existing-debt flags | Yes, free live analysis, no sales call | Transparent, $99 to $399/mo |
| Liquid Logics | Larger private and fix-and-flip lenders wanting full lifecycle origination and servicing | Loan origination, document generation, servicing, investor and construction-draw management | No, sales demo first | Quote-based enterprise |
| LendingWise | Private and small-balance commercial lenders wanting CRM, LOS and servicing in one | CRM, origination, pricing engine and servicing, including SBA and business lending workflows | No, sales demo first | Subscription, quote-based |
| Mortgage Automator | Private lenders and mortgage investment corporations automating origination to funding | End-to-end origination, document generation, compliance and servicing | No, sales demo first | Subscription, quote-based |
| Excel plus manual review | Low volume or a single underwriter | Whatever the underwriter keys from the statements and returns, inconsistent between files | Not applicable | Hours of underwriter time per file |
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 is software that automates the borrower analysis behind a private loan. It reads the borrower's bank statements, tax returns and financials, extracts every line item, and computes the DSCR, cash flow, liquidity and existing-debt figures a private credit decision needs. LenderAnalyzer covers that analysis layer self-serve from $99 a month and sits in front of the loan origination system you already run, rather than replacing it.
For a DSCR rental loan, divide the property's net operating income, gross rent less taxes, insurance and HOA, by the proposed mortgage payment including principal, interest, taxes and insurance. Most private lenders look for 1.10x to 1.25x, with better pricing as coverage rises. LenderAnalyzer reads the lease and the bank statements, confirms the rent lands in the account, and computes the DSCR so the underwriter reviews it rather than building it by hand.
No. LenderAnalyzer is not an LOS. It does not run your pipeline, generate loan documents, manage investors or service the loan. It automates the borrower analysis at the underwriting stage, reading statements and returns and producing the DSCR, cash flow and existing-debt figures, then hands the result to platforms like Liquid Logics, LendingWise or Mortgage Automator through an Excel export or a REST API.
Yes, and the manual document reading is the step to automate. A hard money or bridge lender competes on speed, and reading bank statements and tax returns by hand is the slowest, least consistent part of the file. Automating the extraction computes the DSCR, confirms liquidity against the actual statements, and flags undisclosed debt, so a file turns in hours with the diligence intact and every figure traceable to its source page.
It surfaces what the application leaves off. Reading the statements produces average daily balance and true liquidity, and it flags the recurring debits that reveal an existing loan or a merchant cash advance the borrower did not disclose. For a fix-and-flip or bridge deal underwritten on liquidity, that is the difference between the cash position the borrower claims and the one the account actually shows.
Yes. A direct lending fund underwriting a middle-market operating company runs the same analysis a bank does: spread business returns and interims, compute leverage and coverage, and build a global cash flow where the sponsor matters. LenderAnalyzer produces that from the documents, so a lean deal team gets bank-grade spreads and ratios without a spreading department, exported into the credit memo and the LOS.
LenderAnalyzer is self-serve with public pricing at $99, $199 and $399 a month, roughly half off on annual billing, and an underwriter can start uploading files the same day. The origination and servicing platforms private lenders run alongside it are quote-based with no public pricing and involve an implementation, because they do a different job: pipeline, documents and servicing rather than borrower analysis.
Analyze your first statements free, plans from $99/month, 50% off billed annually.
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