For lenders & underwriters
Bank statement verification for lenders
Upload a borrower's PDF — get income & cash-flow analysis , NSF & deposit consistency , and fraud signals in about 30 seconds.
Used by accountants, lenders, and businesses
Encrypted in transitPDF never stored
Your full spending report
Net saved in October 2024
Income
$7,712
Spent
$4,844
Activity
47 tx · ~$103/day
Find money you're leaving on the table
Cancel unused subscriptions
3 services you haven't used in 60+ days
Switch to cheaper phone plan
You're overpaying vs similar usage profiles
Cook 3 more meals per week
You averaged $42/meal eating out — 18 times this month
Ask your statement anything
Dining spending jumped 42% vs last month. You ate out 18 times — that's $42 per meal on average.
See where every dollar went
$4,844 across 7 categories
Your financial health, scored
Spot hidden recurring charges
8 subscriptions found · $349/mo
Built for verification workflows
Who verifies statements with us
The same document review, without the enterprise contract or the manual spreadsheet.
Small lenders & brokers
Bank statement loans, MCA, and equipment financing — average deposits and NSF counts extracted per statement.
Landlords & property managers
Verify tenant income, check rent payment history, and screen for edited PDFs — see the dedicated tenant screening page.
Mortgage operations
Self-employed borrower review: 12–24 months of statements analyzed for income consistency.
Fraud & risk teams
Font, balance-math, and metadata checks flag tampered statements before they reach underwriting.
Underwriting data
Every metric an underwriter checks — extracted automatically
Stop building deposit spreadsheets by hand. One upload returns the full review.
Average monthly deposits & income sources
Recurring income separated from one-off windfalls, with deposit frequency detection (weekly, biweekly, monthly).
Cash flow & average balance
Net cash flow per month and balance behavior between income events — the cushion signal lenders weight most.
NSF and overdraft incidents
Insufficient-funds events counted across the statement period, each linked to the underlying transaction.
Fraud & tampering signals
Running-balance math verification, font inconsistency detection, PDF metadata checks, and known fake-template matching.
Exportable evidence file
Every transaction with category, date, and amount to CSV or Excel — a clean audit trail for the loan file.
Suspect a fake? Run the statement through the dedicated fake bank statement detector — it checks balance math, fonts, metadata, and template artifacts, free.
No procurement cycle
Enterprise-style review, self-serve pricing
Platforms like Ocrolus and Inscribe sell bank statement verification through quote-based enterprise contracts — great at institutional volume, overkill below it.
We cover the same core workflow — parsing, income analysis, fraud signals, API — with public pricing that starts free. Test accuracy on a real statement before paying anything, then scale on the Business plan ($49/mo, 500 pages, API included). See the full Ocrolus comparison and Inscribe comparison.
Why automated bank statement verification matters
Manual statement review is slow and inconsistent. An underwriter tabbing through a 40-page PDF, keying deposits into a spreadsheet, misses things — and never catches a well-edited fake. Automatedincome analysisextracts every deposit, classifies recurring income against one-off transfers, and computes the averages your credit policy actually uses.
Document fraud is the part manual review handles worst. Fake statement generators produce PDFs that look right to the eye but fail structural checks — running balances that don't reconcile, fonts that don't match the bank's template, creation dates after the statement period. Ourfraud signalsrun on every upload, so tampered documents surface before they cost you a bad loan or a bad tenant.
When the review is done, export the categorized transactions toCSV or Excelfor the loan file, or pull the same data as JSON through the API to feed your LOS or screening workflow directly.
Secure
Your PDF is processed in memory and never saved to disk. All data is encrypted in transit.
Private
We never sell or share your financial data. Anonymous uploads are auto-deleted after 7 days.
Transparent
No hidden fees, no account required. Try it without an account, or create a free account for 1 analysis per month.
Statement analyzer pricing
Pro
For heavy files and repeat work
- 200 PDF pages per month
- Unlimited visible transactions per report
- Subscription and recurring charge detection
- Priority support
Business
For lenders, accountants, and teams processing at volume
- 500 PDF pages per month, then $0.08/page
- REST API access with your own keys
- Unlimited visible transactions per report
- Priority support
FAQ
Bank statement verification — FAQ
Ready?
Upload one statement.
Get the full picture.
No credit card. No account. Drop a PDF and see every transaction categorized in 30 seconds.
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