Oct 8, 2026
Merchant Cash Advance CRM Pricing Compared
Merchant cash advance CRM pricing for US funders and ISOs: SugarAnt $150 a user, ConvergeHub from $29, LendSaaS and Cloudsquare by quote. Costs for 5 seats.
$ lenderanalyzer analyze statement.pdf
Upload any bank statement and get the metrics that drive the decision: income, cash flow, NSF activity and existing debt.
GET /api/documents/income
200 OK
Business Checking
Account ****4417
May 1 to May 31, 2026
Page 2 / 6
| 05/01 | ACH CREDIT ACME LOGISTICS | +6,180.00 | 14,022.10 |
| 05/03 | ACH DEBIT ABC FUNDING LLC | -420.00 | 13,602.10 |
| 05/08 | CARD 4417 SUPPLY CO | -1,312.55 | 12,289.55 |
| 05/15 | ACH CREDIT ACME LOGISTICS | +6,180.00 | 18,469.55 |
| 05/19 | LOAN PMT FIRST CAPITAL | -840.00 | 17,629.55 |
| 05/22 | MOBILE DEPOSIT | +2,450.00 | 20,079.55 |
| 05/29 | ACH CREDIT ACME LOGISTICS | +6,180.00 | 26,259.55 |
Existing loan payments
| ABC FUNDING LLC | ACH | $420.00/mo |
| FIRST CAPITAL | LOAN 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": []
}
}
Built for lenders, MCA funders, brokers and credit teams
No templates per bank, no manual spreading. Upload and the AI does the reading and the math.
lenderanalyzer.com/extract
Live demo
Upload a document to extract
Drop files here or click to upload
Up to 50 files
Uploading...
# 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
Computed deterministically from every extracted transaction, not estimated from summary pages. Every figure traceable to its source line.
| Metric | What it computes |
|---|---|
| Recurring incomeDeposits grouped into income streams with estimated monthly amounts | Deposits grouped into income streams with estimated monthly amounts |
| Monthly cash flowDeposits vs withdrawals and net flow, month by month | Deposits vs withdrawals and net flow, month by month |
| Average daily balanceCarried forward day by day across the full period | Carried forward day by day across the full period |
| NSF & overdraftsEvery incident counted, fees totaled, dates listed | Every incident counted, fees totaled, dates listed |
| Existing loan paymentsDebits to other lenders and funders, grouped by creditor | Debits to other lenders and funders, grouped by creditor |
| Negative balance daysDays below zero, a direct cash-stress signal | Days below zero, a direct cash-stress signal |
| Largest depositsBiggest credits with dates, concentration flagged | Biggest credits with dates, concentration flagged |
| Automatic risk flagsRed and yellow flags your analysts review in seconds | Red and yellow flags your analysts review in seconds |
| Plan | Pages / month | Pages per document | AI Smart Reports / month | REST API |
|---|---|---|---|---|
| Starter | 2,500 | 25 | 5 | On Pro |
| Plus | 10,000 | Unlimited | 20 | On Pro |
| Pro | 35,000+ | Unlimited | 50+ | 500 req / h |
How it works
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.
Drop in PDFs, scans or photos, one statement or a multi-month package, from any bank or credit union.
Every transaction is extracted and verified, then cash flow, income streams, NSF activity and debt payments are computed.
Read the underwriting snapshot, download the Excel report, or pull structured JSON into your LOS via API.
AI reads statements from every bank and credit union, native PDFs, scans and photos, with no per-bank templates.
Recurring deposits detected and cross-checkable against pay stubs, W-2s and tax returns processed in the same platform.
Balances recomputed from the ledger; mismatches and suspicious deposit patterns flagged for review.
POST statements, receive the full metrics object as structured JSON, ready for your LOS or decision engine.
Who it's for
From business lenders to MCA desks and forensic accountants, anyone who needs the truth from a bank statement.
Check the work
You should not take an underwriting figure on faith, so the product is built so you never have to.
ledger.csvp. 2 / 6| 2026-05-02 | PAYROLL DEPOSIT | +6,180.00 |
| 2026-05-06 | ACH ABC FUNDING | -420.00 |
| 2026-05-16 | PAYROLL DEPOSIT | +6,180.00 |
| 2026-05-20 | CARD 4417 SUPPLY CO | -1,312.55 |
Every metric is computed from the extracted transaction list, which you can read line by line next to the original statement page.
Totals, averages, balances and counts are computed in code from those transactions, not estimated by a language model.
Download the full ledger and metrics as XLSX or CSV and reconcile them against the statement in your own spreadsheet.
Security & compliance
Encryption in transit and at rest, data-subject controls, and deletion you run yourself. Described exactly as it works today.
We hold no SOC 2 attestation or ISO 27001 certificate today and will not imply otherwise. Security documentation is available on request.
TLS 1.2+ in transit and AES-256 at rest for every document and report.
Data-subject requests answered with in-app export and deletion, no ticket required.
Remove any borrower document at any time. We delete the stored file, not just the row in your list.
Every account confirms its address with an emailed code before its workspace opens.
Invite colleagues into a shared workspace, each signing in with their own account.
Pricing
Analyze your first statements free. Plans from $99/month, 50% off billed annually.
$594 billed yearlybilled monthly
$1,194 billed yearlybilled monthly
$2,394 billed yearlybilled monthly
Processing more than 35,000 pages a month? See every Pro tier and Enterprise or Ask us in chat.
Resources
Oct 8, 2026
Merchant cash advance CRM pricing for US funders and ISOs: SugarAnt $150 a user, ConvergeHub from $29, LendSaaS and Cloudsquare by quote. Costs for 5 seats.
Oct 7, 2026
Cloudsquare pricing for MCA funders and ISOs. Custom per seat plus Salesforce licenses at $25 to $550 a user. What drives the quote, renewal terms, what to ask.
Oct 6, 2026
DataMerch pricing for MCA funders. Basic is $695 a month and Pro $945, per organization. What each plan buys, cost per screened deal, and what it cannot see.
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.
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.
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.
Debits matching loan, financing and merchant-advance patterns are grouped by creditor with estimated monthly totals, so existing obligations and stacked advances surface immediately.
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.
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.
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.