Every transaction captured
MetrikData reads each line on the statement — date, description, and amount — across every account and month you upload, so nothing has to be keyed in by hand.
Bank statement analysis
Turn raw bank statements into an underwriting picture
MetrikData reads a merchant’s bank-statement PDFs and rebuilds the full money story: every transaction, the daily balance, deposit volume, true external revenue, NSF activity, and negative-balance days. Every number links back to the transactions behind it, so nothing is a black box.
- Every transaction and daily balance extracted
- True external revenue, not just gross deposits
- NSF activity and negative-balance days surfaced
- Every metric traces back to source transactions
The problem
Why reading statements by hand slows underwriting down
A merchant might hand over three accounts and ninety days of statements — hundreds of lines per month, sometimes as scanned images rather than clean text. Working through that by hand is slow, and it’s where mistakes creep in. It’s easy to read gross deposits as revenue, miss a cluster of NSF charges buried in the debits, or overlook the days an account ran negative. Each of those misreads changes how a deal actually looks.
MetrikData does the reading for you. It captures every transaction and reconstructs the daily balance, then computes the metrics underwriters actually weigh — deposit volume, true external revenue, NSF activity, and negative-balance days. Because every figure links back to the transactions that produced it, you can verify the math instead of trusting it. MetrikData surfaces the picture; the decision stays with you.
What gets extracted
What MetrikData pulls from a statement
Every metric is computed from the raw transactions, and every metric links back to them — so you can confirm the numbers before they inform your decision.
Daily balance reconstructed
The running daily balance is rebuilt from the transaction history, giving you a day-by-day view of how the account moved rather than just the opening and closing figures.
Deposit volume
Total deposits are tallied by account and by month, so you can see how much money flowed in and how steady that inflow was over the statement period.
True external revenue
Transfers between the merchant’s own accounts, returned items, loan and advance fundings, and other non-revenue credits are separated out — leaving the real money in from customers, not an inflated gross figure.
NSF & negative-balance days
Insufficient-funds activity and the days an account dipped below zero are surfaced and counted, so cash-flow stress shows up plainly instead of hiding in the debits.
Every major US bank & scanned PDFs
Statements from Chase, Bank of America, Wells Fargo, Citi, U.S. Bank, PNC, Truist, Capital One, TD Bank, and regional and community banks are supported — text-based or scanned image PDFs read via OCR.
In practice
From upload to a reviewable analysis
Upload the statements
Drop in the merchant’s bank-statement PDFs — text-based or scanned. MetrikData reads every transaction and daily balance, across all the accounts and months you provide.
Review the extracted analysis
See deposit volume, true external revenue, NSF activity, and negative-balance days laid out clearly. Click any metric to drill into the exact transactions behind it.
Correct anything, then export
Parsed data is fully editable. Fix anything that looks off and re-run — every metric recomputes. Export a PDF report or CSV of the raw and tagged transactions when you’re done.
FAQ
Common questions
Which banks are supported?
All major US banks — Chase, Bank of America, Wells Fargo, Citi, U.S. Bank, PNC, Truist, Capital One, and TD Bank — plus regional and community banks. Statements just need to be uploaded as PDFs.
Can it read scanned statements?
Yes. MetrikData reads both text-based and scanned or image PDFs using OCR, so an analysis works even when the merchant only has scanned copies. Uploads do need to be PDFs.
Gross deposits vs external revenue — what’s the difference?
Gross deposits are every credit that hit the account. True external revenue strips out transfers between the merchant’s own accounts, returned items, loan and advance fundings, and other non-revenue credits — leaving the real money in from customers. That distinction often changes how strong a deal looks.
Can I export the data?
Yes. You can export a PDF report of the analysis or a CSV of the raw and tagged transactions, so the numbers travel with your file and stay easy to review.
Keep exploring
Related
See the real numbers in a merchant’s statements
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