Everything the file needs, in one place
Built from a working underwriting desk, not from a feature list.
The AI features
These are the paid add-on. They are sold separately because they cost money every time they run — and because not every underwriter needs them.
AI statement reading
Reads the PDF rather than matching a per-bank template, and is held to the balance identity before anything it produces is used. On a miss it is handed the exact shortfall and reads the file again.
Company Research
A sourced brief on the merchant: what the business is, what its map listing says, what the address actually is, what customers report. Every claim carries the URL it came from.
Read the detail→AI case notes
A written read on what the figures mean together — that revenue is steady but the cushion is one customer, that the NSFs sit in the month the third position started.
Granted per user, so you only pay for the seats that use them — and an underwriter who should not be sending statements to a model simply is not given the permission.
The underwriting desk
Included on every plan.
Mandatory reconciliation
Beginning + credits − debits = ending, to the cent. A file that does not balance is marked, not quietly passed on.
Positions and leverage
Existing advances detected by funder name, with payment frequency converted on the figures your policy actually uses. Leverage drives the offer and the automatic decline.
Red-flag detection
Gambling, crypto, debt settlement, undisclosed lender debits, chargebacks, owner draws, and inter-account transfers inflating revenue.
DataMerch & court search
Default history and litigation checks run alongside the statements and are carried into every preview — including when nothing is found.
Preview packs that survive email
Notes, DMS, Bank Analysis and Would-Me, built with inline styles so they paste into Gmail and Outlook intact.
Policy built in
Your cheat sheet and underwriting guide live in the tool, editable by admins and readable by everyone, so thresholds and software cannot drift apart.
Roles, permissions and audit
Per-user access down to individual features, including which underwriters get AI. Every permission change and case action is logged.
API access
Push cases in and pull decisions out, with scoped keys and IP allow-listing.
Run it on a file you already decided.
The fastest way to judge underwriting software is to point it at a deal you have already worked and see whether it reaches the same place — and whether it admits what it doesn't know.