Transactions, Income Analysis & P&L

Three views answer "where does the money actually come from and go": the raw transaction ledger, the income analysis, and the categorized P&L.

Transactions explorer

Available on both levels:

• Document → Transactions — every parsed transaction from that statement
• Client → Transactions — all statements merged into one ledger

Search and filters

• Full-text search across transaction descriptions
• Category filter — Transfer, Merchant Cash Advance, Fees, Revenue, Other…
• Type — All / Deposits / Withdrawals
• Amount range and Date range

Every row shows date, full description as printed on the statement, detected category, deposit/withdrawal type, and amount. This is where you verify any number the summary gives you — two clicks from metric to underlying transactions.

Income Analysis (client level)

The client's Income Analysis tab aggregates revenue across all their statements:

• Monthly Revenue Trend — revenue plotted month by month across every statement on file
• Revenue Source Breakdown — each identified deposit stream with share of total, transaction count, dollar total, and a trend direction (Growing / Declining / Stable)

The trend column is the underrated part: a merchant whose biggest revenue source is Declining while total revenue holds flat is replacing quality revenue with something else — worth two minutes of reading the sources.

MCA exclusion: advance proceeds are excluded from all revenue figures and the exclusion count is shown explicitly (e.g. "Excluded: 12 MCA-related txns"), so the income picture is never inflated by borrowed money.

P&L view (document level)

The P&L tab restates the statement as an income statement:

• Total Income / Total Expenses / Net Income headline cards
• Income Breakdown by category — each expandable to its transactions, with share of income
• Expense Breakdown by category, same drill-down

It's a cash-basis P&L built purely from the bank ledger — best used for sanity-checking the merchant's claimed financials ("your P&L says $80K monthly costs; the bank shows $130K leaving the account").

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FAQ

How accurate is transaction categorization? Categorization runs on ClearStaq's models tuned on lending-relevant categories (StaqVerify). Every category is verifiable — click through to the transactions and read the descriptors.

Can I recategorize a transaction? Not currently in the UI — but because every metric links back to its transactions, you can always verify and adjust in your own credit memo. Custom categorization rules are part of custom fraud/underwriting rules on StaqScale.

Can I export transactions? Yes — Export Report → Transactions (CSV) on any document, or the client-level CSV from the dashboard. Also available as JSON via Raw Output and the API.

Why do client-level numbers differ from a single document's? Client level aggregates all statements on file; a document is one period. Same engine, different windows.