Affordability decisions you can stand behind
For lenders to businesses and individuals — asset finance,
invoice factoring, SME and consumer lending.
Upload statements from any bank, in any format, and get back
a categorised, auditable affordability assessment.
Works where scorecards and Open Banking don't.
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
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:
Directors paying themselves in dividends
Contractors with six months of gaps
Landlords with income across four accounts
Applicants who won't connect Open Banking
Banks no API reaches
These are the files that sit on an underwriter's desk for three days. They are also where the write-offs come from.
ExactSum reads the statements the way your best analyst would — every transaction categorised, income patterns surfaced, stress signals flagged — and returns a decision with the evidence attached.
Auto-approve, refer, or decline — on your credit policy
Set your affordability thresholds, income requirements and red lines once. ExactSum applies them to every file and returns a decision, so your underwriters spend their time on the referrals and nothing else.
| Outcome | What it means | What happens |
|---|---|---|
|
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 rule passed.
The case moves straight on, with the supporting evidence attached.
One or more rules need human judgement.
Routed to an underwriter with the triggering rules highlighted.
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 worksWhat your analyst sees on every page
ExactSum pins its findings to the exact lines they came from, so every number in the analysis traces straight back to the statement.
| Date | Description | Out | In |
|---|---|---|---|
| 03 Jun | Card payment — Fuel Station | 82.40 | |
| 04 Jun | VAT payment — Tax Authority 1 | 4,120.00 | |
| 05 Jun | Returned DD — Insurance Ltd 2 | 214.80 | |
| 06 Jun | Faster Payment in — Client invoice | 6,250.00 | |
| 09 Jun | Loan repayment — Funding Co 3 | 1,890.00 | |
| 10 Jun | Transfer to J Smith (Director) 4 | 2,500.00 | |
| 11 Jun | Card payment — Software | 49.00 |
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.
Built for the income that isn't a payslip
Specialised analysis modules for company and personal statements — organised around the three questions a credit committee actually asks.
For companies
Trading businesses, from sole traders to group structures
Can they afford it?
Are they under stress?
Who are you actually lending to?
For individuals
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?
Works when Open Banking doesn't
No consent required. No bank integration to wait for. If your applicant can produce a statement, ExactSum can read it.
Any document
A bank's own PDF, a scan, or a photo taken on a phone — statements are processed the same way regardless of how they arrive.
Twelve months, not ninety days
A full year of history where Open Banking typically shows a quarter — enough to see seasonality, gaps and real income patterns.
Accounts APIs can't reach
Foreign accounts. Business accounts. Legacy banks nobody has built a connector for. Applicants who simply decline to connect.
Works with every major bank
Bank statements from these institutions processed daily with industry-leading accuracy and security.
- HSBC
- Barclays
- Lloyds
- NatWest
- Santander
- Virgin Money
- Bank of Scotland
- Starling
- Monzo
- Tide
- Wise Business
- Revolut Business
- ANNA
- Zempler
- Airwallex
- Payoneer
- Metro
- Handelsbanken
- Nationwide
- Stripe
And every other bank: statements from any institution, in any format — digital, scanned or photographed — are processed the same way.
Every statement is checked for tampering
Falsified statements are no longer easy to spot by eye. A document forensics engine now inspects every file ExactSum processes, from three independent angles.
File forensics
Who actually produced the PDF — banks' publishing systems leave very different fingerprints from Photoshop, Word or online editors — plus hidden edit traces.
Mathematical reconciliation
Every transaction is checked to the penny against the printed running balance and the statement's own summary. Fabricated numbers rarely add up.
Visual inspection
Fonts, alignment and rendering inside the figures — the tells left behind when an amount has been pasted over.
Verdicts, not scores
Each document gets a plain-English verdict — Normal, Warning or High Risk — with the specific findings spelled out.
In beta and already running on every document processed, while we tune false alarms towards zero against thousands of genuine statements.
Book a DemoSecure, Fast, Streamlined
Request
Collect bank statements from your clients.
Upload
Securely upload bank statements and let ExactSum analyse them.
Review
Review the analysis covering: tax transactions, loan payments, director loans.
Approve
Once the analysis is reviewed, proceed with your decision.
Comprehensive solutions for every financial workflow
Lending
ExactSum provides lenders with comprehensive financial insights to make informed credit decisions. The Balance Analysis and Loan Analysis modules help assess borrower creditworthiness by examining cash flow patterns, existing debt obligations, and repayment capacity.
Overdraft Analysis reveals cash flow stress indicators, whilst Recurring Transactions identify stable income sources and existing financial commitments. Unpaid Transactions highlight payment reliability issues that could indicate credit risk.
Our advanced AI-powered analysis ensures you have all the critical information needed to make confident lending decisions whilst reducing manual review time.
Each module works together to provide a complete financial picture that reduces manual analysis time whilst improving accuracy and compliance across all these use cases.
"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"
Greg Smith
Operations Leader
Build ExactSum into your stack
The same analysis the app produces is available programmatically — and some of our tools are simply free.
REST API
Send a PDF, get structured JSON, CSV or Excel back. Every analysis module, available on paid plans with no integration project.
Explore the APICompany Structure Checker
A free tool that maps UK company ownership and director links from Companies House data — no account needed.
Try it freeIndustry leading security
Cyber Essentials Certified
ExactSum security practices and controls have been independently audited by experts.
Encryption
Data is encrypted in transit and at rest using the most secure algorithms available.
Zero Data Retention
Your data is never used to train AI models and is deleted permanently once you remove it.
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.