Cash flow underwriting reads the applicant’s own bank transactions into verified income, the obligations a bureau file never recorded, and the room left after them. That is what lets you approve credit-invisible applicants and price to proven capacity.
Each description and amount is read together, so every figure opens back to the transactions behind it and nothing reaches a credit decision you cannot explain.
A lending-specific label, the everyday category under it, a risk indicator where one applies, and a direction. Money moving between the applicant’s own accounts counts as neither, so a transfer never inflates the income you are about to lend against.
A payday loan, a payday advance, a BNPL plan and a cash advance app resolve to four different obligations rather than one bucket called debt, so a payment that never reached a bureau still comes out of what the applicant can afford.
Payroll providers and gig platforms are recognized by name, government benefit sources are identified as such, and the rhythm of the deposits separates a repeating stream from a one-off. It runs on every analysis, with no manual review.
One-time deposits, borrowed money and transfers between their own accounts all come out, and every removed row is named. What is left is what they can actually repay you from.
An income figure becomes an approval when it becomes a payment, and the ratio is yours to set.
Rent and existing loan payments are read off the account rather than requested as a stip, and each one can be counted against the ratio or set aside.
A payment you already know about is entered by hand and comes straight out of the same ratio as the rest.
A verified capacity figure is what lets you move the structure and keep the deal, rather than letting a decline stand.
The same numbers come back whether they link an account or upload a statement, counted the way your own policy counts.
A live bank connection, a statement read line by line, or transactions your systems already hold. One application can draw on more than one.
Beginning balance plus the inflows found, minus the outflows found, against the ending balance the statement reports, so the totals are provably the lines beneath them.
Which categories count is a policy decision, and the verified figure recomputes as that policy changes.
Bank statement underwriting returns the same figures on a file with no score as on a thick one, so an applicant the bureau cannot rank still arrives with income, obligations and residual your policy can act on.
Verified income, the obligations no bureau file recorded, and what is left each month, all read off the account itself.
The same figures, computed the same way, so a file with no score is measured against your existing policy instead of being set aside.
Verified income and obligations are not only an approve or decline: the same figures can set the rate, the term and the limit the file clears at.
Want the whole report this figure sits in?
Cash Flow AnalysisVerifying income on its own?
Income VerificationNeed the risk read on the same file?
Improve portfolio performanceWhat a risk or data owner asks before putting a derived figure into a credit decision.
We look at up to 12 months, and we recalculate every figure for the last 3 and 6 months too, so a trend can’t hide inside a longer average. If you’ve only got a shorter history, we’ll still give you a figure, and a file with under a month of data just gets flagged instead of quietly averaged like it’s complete.
A live connection comes in already structured, so there’s nothing to extract. An uploaded statement gets read line by line, then checked against the balances it reports itself. That’s the step that makes the numbers we derive actually defensible. Either way, you end up with the same labels and categories.
It means the labeling and the calculations happen right inside the analysis itself, not in some overnight batch or a queue waiting on a person. So you’ve got the figure while the deal’s still moving.
Yes, send us the corrected file and we’ll run it fresh. The original run doesn’t get touched or overwritten; it just sits there alongside the new one, so you can compare what changed.
The labeled ledger, the counted income with its breakdown, the obligations, and the affordability read. It all lands in the portal for your team, plus you can get it over the API or through signed webhooks into whatever system you’re already originating in.
Send applications you have already made a call on. We label the transactions, derive the income and the payment they can afford, and set our result next to what actually happened.