Underwrite a bank statement in 60 seconds
Drag-and-drop a merchant’s statements and get AI-cleaned true revenue, average daily balance, NSF counts, negative days and existing MCA positions — each number reconciled against the bank’s own printed balances.
From a messy PDF to a clean read
The model only transcribes. Every calculation and every confidence call is made by deterministic code that reconciles against the bank’s printed numbers.
Upload the statements
Drag-and-drop a merchant's bank statement PDFs — one month or six. No CSV, no formatting, no template.
AI extracts & reconciles
A vision model transcribes every transaction; deterministic code computes each number and checks it line-by-line against the bank's printed running balance.
Get an underwriting summary
True revenue, average daily balance, deposits, NSFs, negative days and detected MCA positions — marked high-confidence only when it reconciles.
See the whole deal at a glance
Every metric an MCA underwriter reaches for — averaged across the months, with each figure tied to the bank’s own printed balance or flagged for review.
We strip the noise that inflates a deal
Transfers between the merchant’s own accounts, bounced-and-returned pairs, self-Zelle, and prior funder advances all land in gross deposits. The engine removes them so you underwrite true revenue — not a number that stacks the merchant into an advance they can’t hold.
- Inter-account transfers & self-transfers
- Reversed / returned (NSF) round-trips
- Existing MCA advances & funder disbursals
Illustrative — a representative merchant month.
Pay per business
No subscription. No seats. 1 credit = 1 business underwritten — a merchant’s full set of statements (their last few months), not one credit per statement. Start with a free credit, then buy in packs.
1 credit = 1 business underwrite (up to 6 months of statements). Credits never expire. You’re only charged when an underwrite produces a read.
Questions
How much does it cost?
You pay per business you underwrite — 1 credit reads a merchant's full set of bank statements (their last few months, up to 6), not one credit per statement. No subscription, no seats, no minimum. New accounts start with a free credit (one full business), then buy packs from $2 per business down to $1.50 at volume. Credits never expire, and you're only charged when an underwrite produces a read.
How accurate is it?
Every served number is reconciled against the bank's own printed running balance (or printed summary totals) to within one cent. When a statement can't be reconciled, the read is flagged “needs review” instead of shown as confident — so you never act on a confident wrong number.
What does it extract?
True monthly revenue (transfers, reversals, self-transfers and advances stripped out), total deposits, deposit count, average daily balance, NSF count, negative days, and recurring MCA-style positions with funder, amount and cadence. It handles multi-account combined statements too.
Are my bank statements safe?
Yes. Uploads travel over TLS encryption, and your statements and reports are stored privately to your account — encrypted at rest, visible only to you, and deletable anytime. Reading runs on a paid AI API that does not train on your data. See our security page for exactly how, including the honest limits.
Is this a credit decision?
No. It's an assist — a fast, trustworthy pre-read a human confirms. It runs on the same statement-reading engine that powers the full Lendro underwriting, CRM and servicing platform.
Learn the read
Free guides, a plain-English glossary and calculators for every metric that decides an MCA — written for brokers, ISOs and funders.
Browse all guidesUnderwrite your next deal in 60 seconds
Drop a statement and see the read before you sign in. First one’s on us.