Fragmented intake
Applications, statements, processing reports, tax documents, and supporting records arrive in different formats and at different times.
Business Lending Intelligence
Decision-ready
lending intelligence.
LendLucid transforms bank statements, merchant processing data, applications, and supporting documents into a structured, explainable view of revenue, cash flow, debt, risk, and policy fit. Use it in one underwriting workspace or deliver the intelligence through API.
Built for broker shops, funders, lenders, banks, credit unions, and lending platforms.
Sample file · fictional data
Northfield Plumbing Co.
Avg. adjusted revenue
$55,100
Average daily balance
$26,443
Negative days
0
NSF activity
0
Adjusted revenue by month
2026-04
$52,400
2026-05
$55,100
2026-06
$57,800
Transfers excluded
$24,000
Revenue trend
+4.9% / mo
Illustrative example computed by the BankFlow engine. Not a real business.
Evidence-linked analysis
Bank and merchant data
Configurable credit policy
Workspace, API, or both
The problem
Underwriting teams do not need more data. They need a clearer file.
Submissions arrive across documents, accounts, emails, portals, and systems. LendLucid brings that work into one intelligence layer, with the source evidence attached.
Manual financial analysis
Revenue, balances, negative days, fees, debt payments, and trends are repeatedly calculated by hand.
Inconsistent decisions
The result can depend on who reviewed the file, which spreadsheet was used, and which policy version they remembered.
Limited traceability
A number without the supporting transaction, page, rule, or calculation is difficult to defend, review, or improve.
The platform
A complete intelligence stack for business lending.
Use the full LendLucid platform or deploy the modules that fit your current workflow.
BankFlow
Bank statements, transformed into underwriting intelligence.
Normalize transaction activity, calculate adjusted revenue and cash-flow metrics, identify balance pressure, classify transfers and non-revenue credits, detect recurring financing payments, and open the evidence behind every result.
Explore BankFlowMerchantFlow
PlannedSee the operating picture behind processor activity.
Analyze merchant processing statements, volume, refunds, chargebacks, fees, settlement behavior, average ticket, and trends. Reconcile processor activity with bank deposits to find gaps, timing differences, and inconsistencies.
Explore MerchantFlowVerify
PlannedFind what requires attention before it reaches a decision.
Check document coverage, statement completeness, account and business-name consistency, calculation integrity, duplicated files, anomalies, and review exceptions. Preserve uncertainty and route unresolved items to a human reviewer.
Explore VerifyDecision
PlannedApply your lending policy with consistency.
Configure products, thresholds, conditions, hard stops, warnings, reason codes, document requirements, and exception paths. Test policy changes before activation and preserve the exact version used for every result.
Explore DecisionCopilot
PlannedAn underwriting assistant grounded in the file.
Ask about revenue trends, debt payments, negative days, processor reconciliation, policy findings, and missing information. Copilot explains approved calculations and cites the records behind the answer.
Explore CopilotMonitor
PlannedKeep watching after the initial decision.
Track revenue changes, balance pressure, new financing activity, increased NSF behavior, processor shifts, covenant conditions, and other defined portfolio signals as refreshed data becomes available.
Explore MonitorConnected workflow
From intake to review in one connected workflow.
- 01
Collect
Receive applications, bank statements, merchant processing statements, supporting financials, and connected data.
- 02
Structure
Classify documents, validate coverage, normalize transactions, preserve versions, and flag missing information.
- 03
Analyze
Calculate revenue, cash-flow, balance, debt, and merchant metrics using repeatable, evidence-linked rules.
- 04
Evaluate
Run verification checks and apply configured credit policy, document rules, conditions, and reason codes.
- 05
Review and deliver
Route exceptions, document overrides, and deliver results through the workspace, API, webhook, or export.
Evidence and explainability
Never settle for a number you cannot inspect.
Every material calculation should be reviewable. LendLucid is designed to connect findings to the source document, statement period, account, transaction set, rule version, and calculation definition that produced them.
Open the transactions behind adjusted revenue.
Review why a deposit was included, excluded, or uncertain.
Trace likely financing payments to their cadence and evidence.
See which policy rule produced a condition, warning, or hard stop.
AI may explain the analysis. It should never manufacture the financial truth.
Built for every side of the file
Meet each team in its workflow.
Brokers and ISOs
Standardize intake, pre-underwrite files, and package lender-ready submissions.
ExploreFunders and Lenders
Move high-volume files through consistent analysis while preserving judgment.
ExploreBanks and Credit Unions
Add controlled intelligence with clear evidence, governance, and permissions.
ExploreLending Platforms
Embed versioned intelligence through APIs, webhooks, and configurable outputs.
ExploreLendLucid API
Underwriting intelligence that works inside your stack.
Send documents or connected data, trigger analysis, receive structured outputs, subscribe to status events, and retrieve evidence references through a versioned API.
Explore API CapabilitiesWorkspace, API, or both
- Application and borrower records
- Secure document ingestion
- Asynchronous analysis status
- Bank and merchant metrics
- Evidence references
- Risk signals and exceptions
- Policy results and reason codes
- Signed webhooks
Build a faster underwriting operation without losing the evidence.
See how LendLucid can turn your current submissions, policies, and review process into a connected underwriting intelligence workflow.