$ lenderanalyzer analyze statement.pdf

Bank Statement Analyzer and Analysis Software for Lenders

Upload any bank statement and get the metrics that drive the decision: income, cash flow, NSF activity and existing debt.

Underwriting snapshot 200 OK

Business Checking

Account ****4417

May 1 to May 31, 2026
Page 2 / 6

Beginning
$7,842.10
Deposits
$20,990.00
Withdrawals
$2,572.55
Ending
$26,259.55
05/01ACH CREDIT ACME LOGISTICS+6,180.00
05/03ACH DEBIT ABC FUNDING LLC-420.00
05/08CARD 4417 SUPPLY CO-1,312.55
05/15ACH CREDIT ACME LOGISTICS+6,180.00
05/19LOAN PMT FIRST CAPITAL-840.00
05/22MOBILE DEPOSIT+2,450.00
05/29ACH CREDIT ACME LOGISTICS+6,180.00
Qualifying income
$18,540/mo
Avg daily balance
$11,072
Existing debt
$1,260/mo
NSF events
0
Monthly cash flow DepositsWithdrawals
Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May

Existing loan payments

ABC FUNDING LLCACH$420.00/mo
FIRST CAPITALLOAN PMT$840.00/mo
$ curl -G https://lenderanalyzer.com/api/documents/income \
    -H "Authorization: Bearer $LA_KEY" \
    -d "hashes[]=abc123-def456" -d "account_type=business" -d "months=12"

{
  "success": true,
  "data": {
    "gross_deposits": 268410.00,
    "eligible_deposits": 222480.00,
    "full_period_monthly_income": 18540.00,
    "recent_period_monthly_income": 19120.00,
    "qualifying_monthly_income": 18540.00,
    "decline_pct": 0,
    "nsf_count": 0,
    "warnings": []
  }
}
256-bit encryption GDPR Delete on demand PDF statements XLSX export JSON via API

Built for lenders, MCA funders, brokers and credit teams

From statement PDF to decision in three steps

No templates per bank, no manual spreading. Upload and the AI does the reading and the math.

lenderanalyzer.com/extract Live demo

PDF, JPG, PNG, BMP, HEIC, TIFF

Upload a document to extract

# 1  upload the statement
curl -X POST https://lenderanalyzer.com/api/documents/upload \
  -H "Authorization: Bearer $LA_KEY" \
  -F "document=@statement-may.pdf"
# {"success":true,"data":{"file_id":1234}}

# 2  start the extraction
curl -X POST https://lenderanalyzer.com/api/documents/extract \
  -H "Authorization: Bearer $LA_KEY" \
  -H "Content-Type: application/json" \
  -d '{"file_id": 1234}'
# {"success":true,"data":{"extraction_hash":"abc123-def456"}}

# 3  read the result
curl https://lenderanalyzer.com/api/documents/extraction/abc123-def456 \
  -H "Authorization: Bearer $LA_KEY"
import os, time, requests

API = "https://lenderanalyzer.com/api"
H = {"Authorization": f"Bearer {os.environ['LA_KEY']}"}

up = requests.post(f"{API}/documents/upload", headers=H,
                   files={"document": open("statement-may.pdf", "rb")}).json()
job = requests.post(f"{API}/documents/extract", headers=H,
                    json={"file_id": up["data"]["file_id"]}).json()
h = job["data"]["extraction_hash"]

while True:
    r = requests.get(f"{API}/documents/extraction/{h}", headers=H).json()
    if r["data"]["status"] != "processing": break
    time.sleep(2)

print(r["data"]["fields"])
import fs from "node:fs";

const API = "https://lenderanalyzer.com/api";
const H = { Authorization: `Bearer ${process.env.LA_KEY}` };

const form = new FormData();
form.append("document", new Blob([fs.readFileSync("statement-may.pdf")]), "statement-may.pdf");
const up = await (await fetch(`${API}/documents/upload`, { method: "POST", headers: H, body: form })).json();

const job = await (await fetch(`${API}/documents/extract`, {
  method: "POST", headers: { ...H, "Content-Type": "application/json" },
  body: JSON.stringify({ file_id: up.data.file_id }),
})).json();

let r;
do {
  await new Promise(ok => setTimeout(ok, 2000));
  r = await (await fetch(`${API}/documents/extraction/${job.data.extraction_hash}`, { headers: H })).json();
} while (r.data.status === "processing");

The underwriting snapshot

Every metric a credit decision needs

Computed deterministically from every extracted transaction, not estimated from summary pages. Every figure traceable to its source line.

26
Underwriting metrics per statement
5
Automated risk flags
XLSX / CSV
Export formats
25
Pages per statement on Starter
See the bank statement analyzer in detail
Metric
Recurring incomeDeposits grouped into income streams with estimated monthly amounts
Monthly cash flowDeposits vs withdrawals and net flow, month by month
Average daily balanceCarried forward day by day across the full period
NSF & overdraftsEvery incident counted, fees totaled, dates listed
Existing loan paymentsDebits to other lenders and funders, grouped by creditor
Negative balance daysDays below zero, a direct cash-stress signal
Largest depositsBiggest credits with dates, concentration flagged
Automatic risk flagsRed and yellow flags your analysts review in seconds
PlanPages / monthPages per documentAI Smart Reports / monthREST API
Starter2,500255On Pro
Plus10,000Unlimited20On Pro
Pro35,000+Unlimited50+500 req / h

How it works

The whole borrower file, not just statements

28 lending document types extracted out of the box, pay stubs, W-2s, tax returns, P&Ls, debt schedules, credit reports, applications, so you can assemble the full picture of an applicant's financial situation.

  1. 01

    Upload statements

    Drop in PDFs, scans or photos, one statement or a multi-month package, from any bank or credit union.

  2. 02

    AI extracts & analyzes

    Every transaction is extracted and verified, then cash flow, income streams, NSF activity and debt payments are computed.

  3. 03

    Decide with confidence

    Read the underwriting snapshot, download the Excel report, or pull structured JSON into your LOS via API.

Any bank, any format

AI reads statements from every bank and credit union, native PDFs, scans and photos, with no per-bank templates.

Income verification

Recurring deposits detected and cross-checkable against pay stubs, W-2s and tax returns processed in the same platform.

Statement verification

Balances recomputed from the ledger; mismatches and suspicious deposit patterns flagged for review.

REST API

POST statements, receive the full metrics object as structured JSON, ready for your LOS or decision engine.

Check the work

Every number traceable to a transaction

You should not take an underwriting figure on faith, so the product is built so you never have to.

ledger.csvp. 2 / 6
2026-05-02PAYROLL DEPOSIT+6,180.00
2026-05-06ACH ABC FUNDING-420.00
2026-05-16PAYROLL DEPOSIT+6,180.00
2026-05-20CARD 4417 SUPPLY CO-1,312.55
  • Full transaction ledger

    Every metric is computed from the extracted transaction list, which you can read line by line next to the original statement page.

  • Deterministic math

    Totals, averages, balances and counts are computed in code from those transactions, not estimated by a language model.

  • Export and re-check

    Download the full ledger and metrics as XLSX or CSV and reconcile them against the statement in your own spreadsheet.

Security & compliance

Built to be trusted with borrower data

Encryption in transit and at rest, data-subject controls, and deletion you run yourself. Described exactly as it works today.

No attestation claimed

We hold no SOC 2 attestation or ISO 27001 certificate today and will not imply otherwise. Security documentation is available on request.

End-to-end encryption

TLS 1.2+ in transit and AES-256 at rest for every document and report.

GDPR

Data-subject requests answered with in-app export and deletion, no ticket required.

Delete on demand

Remove any borrower document at any time. We delete the stored file, not just the row in your list.

Email-verified accounts

Every account confirms its address with an emailed code before its workspace opens.

Team workspaces

Invite colleagues into a shared workspace, each signing in with their own account.

Pricing

Make your next lending decision on verified data

Analyze your first statements free. Plans from $99/month, 50% off billed annually.

Starter

$49.50 USD / mo

$594 billed yearlybilled monthly

  • 2,500 pages / month
  • Up to 25 pages per document
  • AI-powered visual OCR for scans & photos
  • Excel XLSX / CSV export
  • 5 AI Smart Reports / month
Get started with Starter

Plus

Most popular
$99.50 USD / mo

$1,194 billed yearlybilled monthly

  • 10,000 pages / month
  • Unlimited pages per document
  • Bulk upload, up to 50 files at once
  • QuickBooks (QBO) export
  • 20 AI Smart Reports / month
Get started with Plus

Pro

from $199.50 USD / mo

$2,394 billed yearlybilled monthly

  • From 35,000 pages / month
  • Unlimited pages per document
  • Bulk upload, up to 50 files at once
  • 50 AI Smart Reports / month
  • REST API access with JSON output
Get started with Pro

Processing more than 35,000 pages a month? See every Pro tier and Enterprise or Ask us in chat.

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FAQ

Frequently asked questions

What does LenderAnalyzer do?

It analyzes borrower bank statements for lending decisions: AI extracts every transaction, then computes underwriting metrics, recurring income, monthly cash flow, average daily balance, NSF/overdraft activity, negative balance days and existing loan payments, into a snapshot and downloadable report.

Which banks and formats are supported?

All of them. The AI is format-agnostic, so statements from any bank or credit union work, native PDFs, scans and photos, with no per-bank templates to configure.

Can it verify income?

Yes. Recurring deposits are grouped into income streams with estimated monthly amounts, and you can cross-check against pay stubs, W-2s, 1099s and tax returns extracted in the same platform.

Does it detect existing loans and stacking?

Debits matching loan, financing and merchant-advance patterns are grouped by creditor with estimated monthly totals, so existing obligations and stacked advances surface immediately.

Is there an API?

Yes, on the Pro plan. Submit statements via REST API and receive the full metrics object plus transactions as structured JSON, built to feed an LOS, CRM or decision engine. You poll the extraction endpoint for the result or register a webhook that fires when the analysis is done.

Does LenderAnalyzer connect to the borrower's bank account?

No. LenderAnalyzer never asks a borrower for a bank login and does not connect to bank accounts or pull live bank data. You work from the statements the borrower sends you: upload the PDF, scan or photo in your browser, or send it to the REST API on the Pro plan. Results come back on screen, as Excel, CSV, JSON or QBO files, over the API, or in a webhook.

How is borrower data secured?

Documents are encrypted in transit and at rest. You can delete any document at any time and the stored file goes with it, and every account verifies its email address before it can upload anything.