AI computer vision · Any bank, any format
High Quality Bank Statements Analysis
ExactSum analyses complex bank statements using AI computer vision to flag transactions with unparalleled accuracy saving you hours of manual work
Trusted by lenders, brokers and accountants to read the statements that matter
Any bank, any format
UK, US, EU, UAE, Canada — PDF, scan or photo
99.4%
extraction accuracy, measured against manual review
50
applications processed in 5 minutes
Zero
data retention — Cyber Essentials certified
01 / The Problem
Most applicants fit the scorecard.
Your losses come from the ones who don't.
These books are built on exactly the applicants a scorecard can't read:
01
Directors paying themselves in dividends
02
Contractors with six months of gaps
03
Landlords with income across four accounts
04
Applicants who won't connect Open Banking
05
Banks no API reaches
These files sit on an underwriter's desk for days. They are also where the write-offs come from. ExactSum reads them the way your best analyst would, and returns a decision with the evidence attached.
02 / On the statement
What your analyst sees on every page
Every finding is pinned to the line it came from.
Tax payment
VAT paid to the tax authority — evidence of live trading and tax compliance.
Returned Direct Debit
Unpaid item flagged — insufficient funds on the day it was called.
Loan repayment
Existing lender commitment detected and sized automatically.
Director transfer
Movement between company and director accounts flagged for review.
Refer
Two rules need a person to look.
An unpaid item inside 90 days, and a director transfer above the threshold you set. Everything else passed.
Tax up to date
Self Assessment paid on time — no arrears with the tax authority.
Existing commitment
Van finance found and sized at £295 a month, twelve months without a miss.
Recurring revenue
The same contract fee lands three times a month — income, not one-off credits.
Surplus retained
Money moves to savings each month rather than being drawn down to zero.
Auto-Approve
Every rule passed.
Income evidenced across twelve months, commitments inside policy, no unpaid items. Straight through, with the workings attached.
03 / Decision Engine
Auto-approve, refer, or decline — on your credit policy
Set your thresholds and red lines once. Every file comes back decided, so underwriters only see the referrals.
Auto-Approve
Every rule passed.
The case moves straight on, with the supporting evidence attached.
Refer
One or more rules need human judgement.
Routed to an underwriter with the triggering rules highlighted.
Decline
A hard rule failed.
Declined consistently, with the reason recorded for audit.
Every outcome links back to the transactions that produced it.
Read how the Decision Engine works →04 / Features
Built for the income that isn't a payslip
Analysis modules for company and personal statements, organised around the three questions a credit committee asks.
Trading businesses, from sole traders to group structures
Can they afford it?
Are they under stress?
Who are you actually lending to?
Employees, portfolio landlords and mass-affluent borrowers
Can they afford it?
Are they under stress?
Plus the same overdraft, unpaid-item, balance and direct-debit stress checks that run on every statement.
Who are you actually lending to?
05 / Coverage
Works when Open Banking doesn't
No consent, no integration. If the applicant can produce a statement, ExactSum can read it.
Any document
The bank's PDF, a scan, or a phone photo — all read the same way.
Twelve months, not ninety days
A full year of history where Open Banking shows a quarter.
Accounts APIs can't reach
Foreign accounts, business accounts, legacy banks, and applicants who decline to connect.
06 / Trusted Processing
Works with every major bank
Bank statements from these institutions processed daily with industry-leading accuracy and security.
And every other bank: statements from any institution, in any format — digital, scanned or photographed — are processed the same way.
07 / Fraud Detection
Every statement is checked for tampering
A document forensics engine inspects every file from three independent angles.
File forensics
Who produced the PDF — bank publishing systems leave different fingerprints from Photoshop or Word — plus hidden edit traces.
Mathematical reconciliation
Every transaction is checked to the penny against the running balance. Fabricated numbers rarely add up.
Visual inspection
Fonts, alignment and rendering — the tells left when an amount has been pasted over.
Verdicts, not scores
Normal, Warning or High Risk, with the specific findings spelled out.
In beta, running on every document processed.
Book a Demo08 / Workflow
Secure, Fast, Streamlined
09 / Use cases
Built for every team that reads statements
Lending
Cash flow, existing commitments, unpaid items and repayment capacity on every applicant — the full picture before the credit decision.
Brokerage
Affordability and income stability in minutes, with the risk factors surfaced before the file reaches a lender.
Packaging
Transactions categorised, tax payments and director transfers identified, and a lender-ready summary out the other side.
KYC
Business identifiers, corporate structure and declared income verified against what the statements actually show.
Audit and Compliance
A clear, auditable trail of financial activity — tax compliance, governance and going-concern signals in one place.
“By leveraging ExactSum, we are able to achieve significantly higher accuracy whilst saving up to 20 hours monthly per person on bank statement review that eliminates manual processing errors and accelerates decision-making”
10 / Security
Industry leading security
Independently audited, encrypted end to end, and nothing retained once you delete it.
Cyber Essentials Certified
Encryption
Zero Data Retention
Two Factor Authentication
Zero-Trust Architecture
Principle of Least Privilege
Regular Access Reviews
Automated Security Checks
Continuous Security Monitoring & Threat Detection
Secure Links for Client Login
Self-Hosted and Tokenised Data Options
Account Level Security
See it on your own files
Send us five statements from cases you've already decided. We'll show you what ExactSum returns and how it compares to the calls your team made.