Bank statement analysis software for lenders and funders

The problem with bank statement analysis in isolation

Most lenders and funders use a third-party service to parse bank statements — extracting average daily balances, monthly revenue, NSF frequency, and cash flow patterns. The output is useful, but it typically lives in a separate tool or PDF report, disconnected from the deal decision it informed. If a reviewer is ever asked to explain why a deal was funded or declined, reconstructing the connection between the analysis and the decision requires digging.

Hadrian's evidence graph solves this by attaching bank statement analysis outputs directly to the case — as a structured artifact alongside the raw statements, the underwriting criteria, and the final decision. The analysis does not exist in isolation; it exists in context.

Integrating your existing analysis provider

Hadrian integrates with bank statement analysis providers via API. Parsed outputs from your existing service attach to the case automatically, with the timestamp of when the analysis was run and what version of the statements it processed. If statements are updated — a common occurrence in MCA underwriting — the new analysis creates a new evidence artifact, and the ledger shows both.

The audit trail records what analysis was available to the reviewer at the time of the decision. That sequencing matters: if a second statement set was received after funding, the ledger shows what was known when.

From analysis to decision in one place

Hadrian's operator-gated AI trust dial can apply to bank statement interpretation: AI can generate a structured summary of the parsed data — average daily balance trend, months of revenue history, NSF risk score — that a human reviewer then acts on. The AI summary is recorded in the ledger alongside the reviewer's decision.

For MCA funders, equipment finance companies, and small business lenders for whom bank statements are the primary underwriting input, this creates a complete, auditable chain from raw document to funding decision.

FAQ

Bank Statement Analysis Software — common questions

Related