Bank Statement
Analysis That
Actually Works
Upload any bank statement PDF. Get instant income verification, MCA detection, NSF counts, cash flow trends, and a lender-ready risk report — no manual data entry.
What you get
A complete financial picture in seconds
Account shows consistent payroll deposits averaging $8,450/month with irregular spending patterns. 4 NSF events in 3 months and 1 active MCA repayment detected (~$185/day) warrant additional review before approval. Declining balance trend in March requires explanation.
Simple Process
Three steps to a full report
Upload PDF
Drag & drop any bank statement PDF — Chase, Wells Fargo, BofA, credit unions, any format.
AI Analyzes
AI extracts every transaction, calculates averages, detects MCA loans, NSFs, and risk flags.
Get Your Report
Receive a complete lender-ready report with risk score, income verification, and approval recommendation.
What We Detect
Everything a lender needs to know
Income Verification
Identifies payroll, ACH credits, and recurring deposits. Calculates average monthly income with consistency scoring.
NSF & Overdraft Detection
Counts every bounced check, NSF fee, and overdraft event. Lenders see total fees paid and frequency.
MCA Loan Detection
Spots merchant cash advance repayments that other tools miss — merchant name, estimated daily payment, and pattern.
Cash Flow Trends
Month-by-month breakdown showing whether the account is growing, stable, or declining.
Gambling Flags
Detects casino, betting, and gambling transactions that many lenders require disclosed.
Risk Score & Recommendation
0–100 risk score with APPROVE / REVIEW / DECLINE recommendation and a plain-English lender summary.
Built for financial professionals
Mortgage Brokers
Verify borrower income and flag risk factors before submitting to underwriting.
Business Lenders
Assess cash flow health and MCA exposure for small business loan applications.
Bookkeepers
Reconcile accounts and categorize transactions for clients in minutes, not hours.
Underwriters
Get a second opinion on any statement — standardized format, instant delivery.
Pricing
Start free. Scale as you grow.
No contracts. Cancel anytime. Upgrade in seconds.
- ✓ 3 reports total
- ✓ Full AI analysis
- ✓ All detection features
- ✓ Email support
- ✓ 50 reports/month
- ✓ Full AI analysis
- ✓ CSV export
- ✓ Priority support
- ✓ Report history
- ✓ Unlimited reports
- ✓ Full AI analysis
- ✓ PDF + CSV export
- ✓ API access
- ✓ Dedicated support
- ✓ White-label reports
Ready to analyze your first statement?
Start free. No credit card. 3 full reports on us.
Start Analyzing Free →