One intelligence layer across the entire underwriting file.

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.

See 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.

Find 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.

Apply 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.

An 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.

Keep 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.