Upload any bank statement PDF and get a complete underwriting report — risk score, stacking detection, and advance sizing — instantly.
Trusted by MCA brokers and ISOs across the country
No spreadsheets. No manual entry. Just upload and get a full underwriting report in seconds.
Drag and drop any bank statement PDF — 1 to 3 months. We accept scanned and digital statements from all major banks.
→Our engine extracts every transaction, calculates monthly stats, detects ACH patterns, and runs the full 6-section analysis automatically.
→Receive a complete underwriting report with a 0–100 risk score, stacking positions, and advance sizing recommendations. Export as PDF.
Six comprehensive analysis sections — all generated automatically from the statement PDF.
Composite risk score from 0–100 with weighted signals across deposits, balances, NSFs, negative days, revenue trend, and stacking exposure.
Month-by-month breakdown of gross deposits, debits, net cash flow, ending balance, and NSF count. Trend direction highlighted automatically.
Six signal analysis identifies existing MCA positions by ACH pattern, amount consistency, and originator frequency. Confidence-rated HIGH / MEDIUM / LOW.
Flags round-number injections, payroll regularity, largest single deposit concentration, and other patterns that affect deposit quality scoring.
Three scenarios (10/15/20% factor rates) with recommended max, estimated daily payment, and funding conditions based on the merchant's profile.
Auto-generated plain-language summary of key findings — ready to paste into your submission or share with funders directly.
What used to take 30–60 minutes of manual work is done before you finish your coffee.
Download a professionally formatted PDF report to attach to submissions or share with funders.
Statements are processed in-memory and never stored long-term. Your merchants' data stays private.
Every metric, threshold, and signal was designed by people who've processed thousands of MCA applications.
No per-report fees. No contracts. Start with a 7-day free trial — no credit card required.
For individual brokers getting started with automated underwriting.
For active brokers and small ISO shops processing daily.
For ISO shops, lenders, and high-volume underwriting teams.
Start with a free 7-day trial — no credit card, no commitment. Upgrade to a paid plan anytime. Questions? Talk to us →
"I used to spend 45 minutes on every bank statement. Now I get a better analysis in 10 seconds. The stacking detection alone has saved me from multiple bad deals."
"The advance sizing scenarios are exactly what I need when I'm structuring a deal. It gives me something concrete to negotiate with rather than gut feel."
"My funders have started specifically asking for VeriBank reports with submissions. It signals professionalism and speeds up their approval process too."
Join MCA professionals who've replaced hours of manual analysis with instant, accurate reports.