Statement coverage
Validate periods, accounts, duplicates, and missing pages.
LendLucid BankFlow
Bank statements, transformed into underwriting intelligence.
Normalize transaction activity and inspect the evidence behind every result.
Cash-flow metrics
Calculate revenue, balances, negative days, and NSF activity from approved definitions.
Debt detection
Identify recurring financing patterns while preserving supporting transactions.
Reviewable evidence
Open the source records behind calculations, classifications, and exceptions.
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.