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See LendLucid in your underwriting workflow.
Tell us how your organization handles submissions, bank analysis, policy, and review. We’ll use your answers to make the conversation relevant.
- Bank statement and cash-flow intelligence
- Evidence-linked debt and risk findings
- Workspace, API, or hybrid deployment
- Configurable policy and human review
Sample file · fictional data
Walk through a sample underwriting file.
Northfield Plumbing Co. is not a real business. Its numbers come from sample transactions run through the same calculations LendLucid uses, so they add up.
1. Statements in
Three monthly statements for Northfield Plumbing Co. cover Apr–Jun 2026. Coverage is checked for missing months and duplicate files.
2. Deposits classified
Card settlements, customer ACH payments and check deposits count as revenue. The monthly transfer from savings is excluded, and the reason is recorded.
3. Metrics calculated
Revenue, trend, daily balances, negative days and NSF activity are calculated from the remaining transactions, using fixed definitions.
4. Evidence attached
Each figure lists the transactions behind it, so a reviewer can open the source rows before relying on the number.
Average adjusted revenue
$55,100
Revenue trend
+4.9% / month
Average daily balance
$26,443
Transfers excluded
$24,000
Negative-balance days
0
NSF / overdraft items
0
| Month | Deposits | Excluded | Adjusted revenue |
|---|---|---|---|
| Apr 2026 | $60,400 | $8,000 | $52,400 |
| May 2026 | $63,100 | $8,000 | $55,100 |
| Jun 2026 | $65,800 | $8,000 | $57,800 |
Sample version sample-file-v1. Fictional data for illustration only. LendLucid supports lending decisions; it does not make them.