From a PDF to a priced file
Five steps, in the order an underwriter actually works. The second one is the reason to use it.
Upload the statements
PDFs straight from the merchant. The reader transcribes every row — dates, descriptions, amounts, printed daily balances — and nothing is accepted until the arithmetic closes.
- Reads the PDF rather than matching a per-bank template
- Section totals are never counted as transactions
- Printed daily balance tables are read as their own check
Reconcile, or say so
Beginning + credits − debits = ending, to the cent. On a miss, the exact shortfall goes back to the reader and the file is read again. If it still will not balance, the case is marked.
- The shortfall is shown, not hidden
- Statement totals can be entered by hand and recalculated
- A derived opening balance is marked unverified, never passed off as read
The analysis builds itself
True revenue separated from transfers and financing. NSFs, negative days and low-balance days counted from first activity rather than from the whole calendar month.
- Existing positions detected by funder name
- Payment frequency converted on your policy's own multipliers
- Leverage drives the offer and the automatic decline
Check the merchant, not just the account
DataMerch for default history, court search for litigation, and Company Research across the public record, map listings and reviews.
- Every researched claim carries its source
- A check that found nothing is recorded as a check, not a silence
- Works before a file exists — a name and address is enough
Send the pack
Notes, DMS, Bank Analysis and Would-Me previews, built with inline styles so they paste into Gmail and Outlook without losing their formatting.
- One click to copy, nothing to reformat
- Company brief rides along at the top of every pack
- Decisions and permission changes are written to the audit log
A wrong number that looks right is worse than no number.
Statement readers drop rows. They transcribe a section total as a transaction and overstate debits by thousands. The output still arrives formatted, confident and ready to price — and nothing on the screen tells the underwriter which figures to doubt.
That is the problem this was built around, and it is why the balance check is mandatory rather than a setting.
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.