Bank Statement Intelligence for Faster Credit Decisions
Automatically analyze bank statements, assess cash flow, detect fraud, and generate decision-ready insights in minutes — not hours.
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Problems we solveFrom Raw Statements to Decision-Ready Intelligence
InferIQ transforms unstructured bank statements into structured financial insights, risk indicators, and actionable recommendations — enabling faster, more accurate lending decisions.
Manual Financial Analysis
Underwriters spend hours reviewing bank statements to verify income, expenses, and repayment capacity, slowing down credit decisions.
Inconsistent Risk Assessment
Manual reviews lead to inconsistent categorization, missed financial signals, and variation in risk evaluation across applications.
Limited Operational Scalability
Manual workflows cannot scale during peak application volumes, creating bottlenecks and increasing turnaround time.
Hidden Fraud and Data Manipulation
Subtle document alterations and inconsistencies often go undetected in manual review, increasing fraud and credit risk exposure.
How It WorksFrom Upload to Decision in Minutes
Upload Statements
Securely upload PDFs individually or in batches.
AI Analysis
InferIQ extracts 100+ financial metrics and detects fraud automatically.
Review and Decide
Access dashboards, risk indicators, and recommendations instantly.
Financial Intelligence, Not Just Extracted Data
Access structured insights, risk indicators, and financial health metrics through a comprehensive decision dashboard.
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Cash Flow Summary
Instantly view income, expenses, balance trends, and net cash flow to understand overall financial health.
Quick Insights Panel
Highlight key strengths, risks, and recommendations to guide faster credit decisions.
Debt Capacity Calculator
Automatically calculate debt-to-income ratios and repayment capacity for faster, confident credit decisions.
Risk & Fraud Indicators
Detect financial risk signals, anomalies, and potential document manipulation before approving applications.
IntegrationDetect Document Manipulation and Fraud Instantly
Identify altered balances, metadata manipulation, structural inconsistencies, and suspicious transaction patterns automatically.
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Bank Statement Analysis Use Cases of InferIQBuilt for Personal and Business Lending Workflows
Automate bank statement analysis to verify income, assess risk, and accelerate lending decisions across consumer and commercial credit workflows.
Enterprise-Grade Security & Compliance
Built with bank-level encryption, global compliance standards, and secure cloud infrastructure to protect sensitive financial data.
Questions, answered.
A typical 10-page statement is fully analyzed in approximately 15 minutes, including 100+ data points, categorization, fraud detection, and dashboard generation. You can process multiple files at once — completing analysis of several files in 15 minutes, what would take many hours manually.
99.8% accuracy across all document types. The categorization system provides superior accuracy compared to industry-standard single-prompt solutions (which typically achieve 85–90% accuracy).
100+ including: income metrics (total, sources, stability, diversity, growth), expense breakdown (essential vs. discretionary, categories, volatility), debt analysis (DTI ratios, payment history, creditor identification), cash flow metrics (balances, liquidity, projections), risk indicators (NSF, overdrafts, negative balances), transaction patterns (behavioral insights, anomalies), and counterparty intelligence (vendors, creditors, payment patterns).
Multi-layered analysis: transaction-level, document structure, visual consistency, technical validation, and mathematical integrity. Results include specific flagged elements, fraud likelihood scores, and clear recommendations.
An interactive tool for loan officers to model what-if scenarios by adding proposed new debt, see updated DTI ratios instantly, receive visual warnings when thresholds are exceeded, and view transaction-level details supporting calculations.
Ready to Transform Financial Decisioning?
See how automated financial intelligence can accelerate decisions, reduce risk, and scale your operations.
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