Plans from $99/month. True revenue, positions, and 27 fraud signals included.
One report per application
True revenue, a graded scorecard and income checks across every statement a merchant sends, with each figure defined on screen.
True revenue / mo
$88,577
Avg. daily balance
$38,148
Negative days
0
Scorecard
87 · B
Revenue statistics
Every figure says what it counts
Monthly averages across all of the application's statements, annualized when you need them.
| Figure | What it counts | Monthly |
|---|---|---|
| Revenue | All deposits, minus transfers between the merchant's own accounts | $88,577 |
| True revenue | Revenue without ATM deposits, advance and loan funding, interest and rewards | $88,577 |
| Expenses | All withdrawals, minus transfers between own accounts | $84,007 |
| Net cash flow | Revenue minus expenses | $4,571 |
| Monthly true balance | Avg. daily balance minus advance and loan funding received | $42,033 |
Scorecard
A grade you can explain to anyone
Six weighted dimensions add up to a 0–100 score and a letter grade. Every contribution is shown, so the grade is never a black box.
| Dimension | Score | Weight |
|---|---|---|
| Average daily balance | 95 | 20% |
| Monthly revenue trend | 90 | 15% |
| NSF frequency | 100 | 15% |
| Negative balance days | 100 | 15% |
| Revenue-to-expense ratio | 65 | 15% |
| Deposit regularity | 60 | 10% |
Income checks
Red flags in plain English
Revenue swing
How far monthly revenue moves around its average.
Deposit regularity
How often money comes in, not just how much.
Payer concentration
How much revenue disappears if the biggest customer leaves.
Revenue sources
Who actually pays the merchant
Deposits grouped by payer, with each payer's share and trend. A declining top customer shows up before it becomes a default.
| Payer | Share | Trend |
|---|---|---|
| Freight broker A | 30.4% | Stable |
| Freight broker B | 16.5% | Declining |
| Branch deposits | 3.6% | Stable |
Everything else an underwriter checks
Balance insights
Daily balances on a calendar, low and negative days, and a volatility index.
Risk profile
NSFs, negative and low days, and anything that doesn't add up.
P&L and transactions
A monthly P&L and every transaction, searchable, linked to its statement.
Tax returns & applications
Check what they claimed against what they made
Tax returns (1040, 1120, 1120-S, 1065) and application forms sit next to the statements, so a gap between declared and real revenue is obvious.
Take it with you
Export the report however you share it
PDF report
The full analysis, ready to send.
Transactions
Every transaction as a spreadsheet.
JSON
The same data the API returns.
FAQ
Underwriting report questions
How is true revenue different from deposits?
It leaves out transfers between the merchant's own accounts, ATM deposits, advance and loan funding, interest, rewards and verification credits.
How many statements can one application have?
As many as the merchant sends. The report covers all of them, month by month.
What if a statement can't be read?
You see the reason, like a missing page or a poor scan, and can reprocess it.
Which plans include the report?
Every plan. Credits are used per month of statements analyzed.