Simple. Fast. Accurate.
How StatementScrub Works
From PDF upload to lender-ready report in under 30 seconds. No manual data entry. No templates. No training required.
Upload Your Bank Statement PDF
Start by uploading any bank statement PDF. StatementScrub accepts statements from every US bank — Chase, Wells Fargo, Bank of America, Citibank, credit unions, and thousands more. Supports files up to 20MB.
- ✓ Works with any US bank or credit union
- ✓ Accepts PDFs up to 20MB
- ✓ Drag-and-drop or file picker
- ✓ No special format required — any PDF layout
AI Reads and Parses Every Transaction
Our AI model reads every line of your bank statement — deposits, withdrawals, fees, and transfers — and structures it into a clean financial dataset. Unlike template-based tools, it understands context, not just patterns.
- ✓ Reads every transaction — no skipping
- ✓ Understands income vs. expenses vs. transfers
- ✓ Identifies merchant names and categories
- ✓ Works on scanned PDFs (digital PDFs most accurate)
Deep Analysis: Income, Risk, Red Flags
Once transactions are parsed, StatementScrub runs a full suite of financial checks — the same things an experienced underwriter looks for, done in seconds.
- ✓ Calculates average monthly income and consistency
- ✓ Counts NSF events and overdraft fees
- ✓ Detects MCA loan repayments by pattern + merchant name
- ✓ Flags gambling transactions
- ✓ Identifies declining balance trends
- ✓ Scores risk from 0 to 100
Receive Your Lender-Ready Report
You get a structured report formatted for lending decisions. Every report includes a plain-English AI summary, a risk score, and a clear APPROVE / REVIEW / DECLINE recommendation.
- ✓ Risk score 0–100 (Low / Medium / High / Critical)
- ✓ APPROVE / REVIEW / DECLINE recommendation
- ✓ Month-by-month cash flow breakdown
- ✓ Income verification with source identification
- ✓ MCA detection with merchant details
- ✓ Instant — under 30 seconds
Full Detection Suite
What StatementScrub detects in every report
Income Verification
Payroll, ACH credits, recurring deposits. Consistency score: consistent, irregular, declining, or increasing.
NSF & Overdraft Fees
Every NSF event counted. Total overdraft fees calculated. Month-by-month NSF breakdown.
MCA Loan Detection
Daily fixed deductions, merchant name matching, ACH debit patterns. Estimated daily payment shown.
Cash Flow Trends
Month-by-month deposits vs. withdrawals. Declining balance trend flagged automatically.
Gambling Transactions
Casino, online betting, lottery, gambling apps — total amount flagged with transaction list.
Risk Score 0–100
Composite risk score based on NSFs, MCAs, balance trends, income consistency, and gambling activity.
Analyze via Telegram — On Any Device
Pro users can send PDFs directly to @StatementScrubBot on Telegram and receive full analysis reports back in chat. No browser needed.
Get Pro Access →Deposits: $8,450/mo | NSFs: 4
MCA: Detected | Risk: MEDIUM
→ REVIEW recommended
Ready to see it with your own statements?
Start with 3 free reports — no credit card, no setup, no commitment.