Upload a Bank Statement.
Get an Instant Credit Report.
StatementScrub reads every transaction in your borrower's bank statement and delivers a lender-ready report — income verified, NSF counted, MCA detected, risk scored — in under 30 seconds.
Who Uses StatementScrub
Built for Every Lender Who Reads Bank Statements
Whether you're approving mortgages, business loans, or cash advances — StatementScrub gives you the same data an experienced underwriter would extract, in seconds.
Mortgage Brokers
For bank statement loans, non-QM, and self-employed borrowers
- Verify self-employed income from bank deposits
- Detect undisclosed MCA loans before submission
- Support bank statement loan documentation
- Export PDF report for loan file
MCA & Business Lenders
For merchant cash advance and small business loan underwriting
- Instant risk score on every applicant
- Detect existing MCA stacking automatically
- See true daily/monthly cash flow
- Batch process multiple statements at once
Small Business Underwriters
For SBA, DSCR, and commercial lending decisions
- Full cash flow analysis — deposits vs. withdrawals
- Identify seasonal revenue patterns
- Flag circular deposits and account cycling
- DSCR-ready income figures
Credit Analysts & Teams
For teams processing high volumes of statements
- API access for LOS integration
- Custom scorecard with your own thresholds
- CSV export for spreadsheet workflows
- Multi-statement batch upload
What's In Every Report
One Upload.
A Complete Underwriting Picture.
Every StatementScrub report contains the same data an experienced underwriter extracts manually — but in under 30 seconds.
Simple 3-Step Process
From PDF to Decision in 30 Seconds
No training required. No templates to configure. No software to install. Open a browser tab, upload, done.
Upload the PDF
Drag and drop any bank statement PDF. Chase, Wells Fargo, Bank of America, credit unions — any format. Up to 20MB, up to 24 months.
AI Reads Every Transaction
Our model reads every deposit, withdrawal, and fee. It understands context — not just patterns. Identifies income sources, MCA repayments, and risk signals automatically.
Get Your Lender Report
A complete structured report — income verified, risk scored, red flags listed, recommendation given. Export as PDF or CSV. Download to your loan file.
Analysis Features
Everything an Underwriter Checks — Done Automatically
Income Verification
Average monthly deposits, income sources identified by name and type, consistency score, and income trend over the statement period.
NSF & Overdraft Detection
Every NSF event counted. Overdraft fees totaled. Month-by-month NSF chart. Frequency scoring — 1 NSF is different from 12.
Cash Flow Trend Analysis
Month-by-month deposits vs. withdrawals. Average daily balance. Declining balance trend flagged automatically. Lowest balance event.
MCA Loan Detection
Merchant Cash Advance repayments identified by daily debit pattern and merchant name. Estimated daily payment shown for each loan.
Fraud Detection (Thumbprint-Style)
Structuring risk, circular deposits, account cycling, velocity spikes, advance loan apps (Dave, Earnin, etc.), and ACH return count.
AI Recommendation
APPROVE / MANUAL REVIEW / DECLINE with a plain-English lender summary explaining the reasoning — so you can act fast with confidence.
Pricing
One Tool. Three Simple Plans.
AI analysis + 435-lender matching in one platform. Cancel any time. Start with 3 free reports — no card required.
- Full AI analysis report
- NSF + MCA + fraud detection
- Risk score + recommendation
- Lender matching — 435+ lenders
- CSV + print/PDF export
- Everything in Broker
- API access (JSON output)
- Custom scorecard thresholds
- Telegram bot notifications
- Priority support
- Everything in Pro
- 5 team member seats
- Dedicated account manager
- Volume pricing above 300
- Custom LOS integration
Lower volume? Buy one-time credit packs from $14.90 →
From Lenders Using StatementScrub
What Lending Professionals Say
"StatementScrub cut our underwriting review from 45 minutes to under 2. The NSF detection alone has saved us from three bad loans this quarter."
"We process 80+ statements a week. At $1.10 each it's the cheapest accurate tool we have. The MCA detection catches things I used to miss manually."
"The APPROVE / REVIEW / DECLINE recommendation is exactly what I needed. I review the AI's reasoning and make the final call — it's the right division of labor."
See It In Action
Watch StatementScrub Work
From upload to APPROVE in under 30 seconds. See exactly what lenders and brokers get with every analysis.