Underwriting from the PDF in the file
Open Banking covers the applicants who will connect an account. The rest send PDFs: self-employed borrowers, remortgage files, tenants, and small businesses banking where no aggregator reaches. Someone keys those statements into a spreadsheet today, or a model reads them with nothing checking its arithmetic.
One call returns what an underwriter reads first. Credits and debits for each month of each account. Every recurring payment with its amount and cadence, so rent, loan repayments and subscriptions are listed before anyone scrolls. Categories that keep transfers between the applicant's own accounts apart from income. Balances that are checked against the rows, and signals on whether the file itself was edited.
What an application comes back with
Figures you can put in front of a credit policy, each one traceable to a row.
Monthly totals
Credits and debits per calendar month for every account, in that account's currency.
Recurring payments
Payee, amount, cadence and last date for every payment that repeats.
Categories and payees
Income, transfers, rent, card repayments and spending told apart on every row.
Reconciled balances
Opening and closing balances checked against the rows, with any gap listed.
Authenticity signals
Editing software, late modification and duplicate files, with a risk level.
Applicant upload links
A hosted page the applicant uploads to, and a webhook when they finish.
One application, one call per statement
Tag each document with your application id and read it back on the webhook.
Pricing
$0.08
per page, scanned or digital
200
pages free, no card
$0.05
per page past 50,000 a month
Three months of statements for one applicant, four pages each, cost $0.96. No minimum, no contract, and a failed read is free.
See pricingFrequently asked questions
More from the API
Bank statement OCR API
Scanned PDFs and phone photos, read and checked.
Bank statement fraud detection API
Authenticity signals on every statement you read.
Bank statement extraction API for accounting software
Categorised transactions, or QBO, OFX and CSV files.
Collect bank statements via API
Hosted upload links for applicants and clients.
Bank statement MCP server
A statement-reading tool for Claude and other agents.
Try it on your own statements
200 pages free, no payment method. Test keys return fixtures for every case you need to handle.
Over 250,000 pages a month, or a security review to get through? [email protected]