Statement analysis
PDF extraction, OCR fallback, normalized transactions, balance context, and saved case history.
MCA Underwriting Intelligence
Spot stacked positions
before funding
Every position. Correct burden. In seconds.
Upload bank statements, detect MCA repayment pressure, and export clean underwriting reports from one workspace.
demo_merchant_may2024.pdf
Drop bank statement
PDF from any major US bank
Reconstructing positions
Grouping lenders · rebuilding daily balance
DEMO MERCHANT LLC
$164k
Gross deposits
47.7%
MCA burden
$250
Lowest bal
0
NSF
Active positions
Lender A · Capital$38,549
Lender B · Funding$9,325
Lender C · Advance$8,670
Lender D · Term Loan$8,933
Lender E · Capital$2,250
Position share5 positions
Lender A48%
Lender B12%
Lender C12%
Lender D11%
Lender E17%
Built for MCA brokers, funders, ISOs, and underwritersAnalysis in secondsPrivate statement storagePDF and CSV export
Reads statements from every major US bank
How it works
From upload to underwriting review in one workspace
Create a merchant, parse the PDF, inspect the activity, then export the report.
1
Upload statements
Attach the merchant PDF and save it to your private workspace.
2
Normalize activity
Extract transactions, balances, statement totals, and run quality checks.
3
Detect pressure
Identify lender debits, stacking, low-balance days, and position burden.
4
Export review
Download PDF and CSV reports with full context attached to the merchant.
Features
Purpose-Built for MCA Brokers, ISOs, and Funders
A focused underwriting surface with the systems a paid workspace needs.
MCA position detection
Lender-like debits, recurring payments, stacking indicators, daily pressure, and active position tables.
Underwriting reports
Single-month sheets, trend metrics, revenue waterfalls, export history, and audit-friendly outputs.
Statement authenticity
Flags edited or photoshopped PDFs — editing-software metadata, modified-after-creation timestamps, font-subset mismatches, and balances that don’t reconcile.
Report surface
Explain pressure without hiding the evidence
Every metric stays tied to the transactions behind it.
External revenue basis$123,359
MCA position debits$58,794
MCA-only burden47.7%
Low-balance days1 / 22
Tied to normalized transaction rows and saved merchant history.
Pre-flight risk scan
See the risk before you read the report
Every position, burden figure, and cash-flow flag — rolled into one risk summary at the top of the report. No verdict, no advice. Just the picture, fast, so you decide.
- Risk level and score from the same data, surfaced first
- Stacking, burden, cash flow, and NSF as at-a-glance signals
- Authenticity check flags edited or photoshopped statements
- Every figure still links to the transactions behind it
Demo · sample data
✓
Low risk · clean
Apex Plumbing Inc
79/100
Stacking
1 position
Total burden
19%
Net cash flow
+$22,400
Lowest balance
$6,200
NSF / returns
0 / 0
Authenticity
Verified
Pricing
Start free. Pay as you grow
4 free statement analyses on us. No credit card, no contract.
Free Trial
$0
forever
- 4 lifetime statement analyses
- Single workspace owner
- Underwriting report preview
- CSV export for trial reports
- Upgrade required after trial usage is exhausted
Starter
$99
per month
- 80 statement analyses per month
- Saved cases and analysis history
- Single-month underwriting reports
- PDF and CSV exports
- Basic usage dashboard
Most popular
Pro
$299
per month
- 320 statement analyses per month
- Team members with owner/admin/analyst/viewer roles
- Single-month and 3-month trend reports
- Manual review and correction workflow
- Export history and audit timeline
Team
$599
per month
- Unlimited monthly statement volume
- Dedicated onboarding and support
- Advanced audit, retention, and admin controls
- API access for internal workflows
- SSO-ready account architecture
Need more volume? Add $40 per 15 statements at any time.
Resources
Reviewable formulas and audit context
Fast automation, always with reviewable calculations and source evidence.
MCA burden review
Separate MCA-only burden from broader fixed-payment density so the report explains pressure without becoming a decision engine.
External revenue basis
Exclude own-account transfers and internal credits from the revenue denominator before comparing lender withdrawals.
Audit-ready workflow
Keep the original PDF, parser status, analysis run, exports, and workspace events tied to the case record.
Get started free
Run your first merchant free
Sign up in seconds. Your first 4 statement analyses are free — no credit card required.
- Upload statements and get a verdict in seconds
- Every position, burden, and NSF flag detected
- Reviewable formulas with audit-ready context
WORKSPACE ACCESS
Sign in to your workspace
Access statement upload, underwriting reports, exports, and saved case history.
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