Resources
Practical intelligence for business lending teams.
Guides on bank statement analysis, financing-position detection, merchant processing reconciliation, and evidence-linked underwriting policy.
Business Lending Intelligence
How bank and merchant data translate into underwriting signal for brokers, funders, lenders, and banks.
Detecting MCA and Other Financing Positions in Bank Data
How cadence, amount patterns, and debit descriptions reveal merchant cash advances, term loans, lines of credit, and stacking in a business bank account.
Bank Statements vs. Connected Bank Data: When to Use Each and How to Reconcile Overlap
The practical differences between PDF bank statements and Plaid-connected transaction data, and how to handle a file that includes both.
Bank Statement Analysis
Methods for reading statements and connected transactions: revenue, balances, NSFs, and cash flow.
How to Calculate Adjusted Revenue From Business Bank Statements
A step-by-step method for turning raw bank deposits into an adjusted revenue figure that excludes transfers, loan proceeds, refunds, and owner deposits.
Reading NSFs, Negative Days, and Average Daily Balance
What NSF and overdraft items, negative-balance days, and average daily balance each tell an underwriter — and how they differ.
Merchant Processing Analysis
Reconciling card-processing volume and settlements against bank deposits.
Underwriting Guides
Operational guidance for evidence-linked analysis, policy, review, and document readiness.
Evidence-Linked Underwriting: Why Every Number Should Trace to Transactions
The case for underwriting outputs that link directly to the source transactions behind them, and what that looks like in practice.
Building a Credit Policy With Reason Codes and Human Review
A practical structure for turning lending criteria into configurable, reviewable policy with clear reason codes and defined points for human override.
Document Readiness Checklist for Business Funding Applications
A practical checklist for applicants and brokers to prepare a complete, consistent funding submission before sending it to a lender.
Company and Product Updates
Factual updates about LendLucid as a company and a product.