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WorkflowMerchant Cash Advance

Statement Underwriting

Bank Statement Underwriting

Six months of statements scrubbed to true revenue and daily balances in minutes, every number tied to its line.

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WorkflowDocuments in; a checked, signed result out.
5specialist agents
5kinds of input
Soonfilm in production
The problem

Why it matters

Underwriters scrub 3–6 months of statements line by line, stripping transfers and loan proceeds by hand to find true revenue, average daily balance, NSFs and other funders’ debits.

What it does

How the solution handles it

Agents read every statement page and classify each transaction, stripping transfers, loan proceeds and refunds to get true revenue. They compute average daily balance, negative days, NSFs and other funders’ debits, then test the proposed holdback against daily balances. The funding underwriter sets the offer and signs.

How it works

How a statement file moves

Five agents read, classify and scrub every statement line and draft the offer; a funding underwriter sets the terms and signs.

What comes in
Statements in3–6 months · PDF, scans, bank-data feeds
Agents at work
Statement readerevery page, every line
Then
Transaction classifierrevenue or transfer
Then
Daily balance analystADB · NSFs · neg. days
Position finderother funders’ debits
Then
Capacity and offer drafterholdback vs. balances
A person decides
Funding underwritersets the offer and signs
What comes out
Scrubbed summary
Draft offer
Every figure cited
In and out

What it reads, and what it hands back.

What goes in

  • 3–6 months of business bank statements
  • Month-to-date transactions
  • Card processing statements
  • Application and ISO notes
  • Account Aggregator data (India)

What comes out

  • Scrubbed revenue and balance summary
  • Holdback and payment capacity test
  • Existing-position list
  • Draft offer for the underwriter

Who uses it

FUFunding underwriterUMUnderwriting managerPAPricing and offers deskRARisk analyst
What it changes

The difference, in numbers.

Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.

target
15min
per merchant file, from statements to a scrubbed summary
By hand1–2 hrs
With agents≈ 15 min
target
6/6months
scrubbed line by line, transfers and loan proceeds removed
6 of 6 months
every line classified
estimated
2×
the merchant files each underwriter can decide in a day
TodayWith agents

“Target” = design goal, measured in the live solution · “Estimated” = our estimate · by-hand time typical for a 3–6-month scrub, as reported by funders · ADB = average daily balance; NSF = non-sufficient funds

Built on the engine

5 specialist agents. One person decides.

Statement readerany bank, PDF or scan
Transaction classifiertrue revenue, transfers removed
Daily balance analystaverage daily balance, NSFs
Position finderexisting advances and loans
Capacity and offer draftertests the holdback, drafts terms
Funding underwritersets the offer and signs
Merchant Cash Advance

More in this division.

All 6 solutions →
ISO Triage

Every ISO submission read, screened and routed within minutes of arriving, while the merchant is still shopping.

Stacking Detection

Every existing advance found before you fund, with its daily debit and the line that proves it.

Altered Statements

Every statement tested for edits before it is underwritten, each finding marked on the page.

Build this
for your team.

We’ll show Statement Underwriting running on your own documents.

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