One engine · Lenders, law firms, accountants · Any bank, any format
Pick the book you lend in
The same engine reads every statement, but the questions differ by who is asking. Each page below shows the modules that matter, the outcomes they feed, and what changes when the statement does the work.
01 / Solutions
Built around the decision, not the document
Lenders
SME Lending
Trading businesses, sole trader upwards
Filed accounts are eighteen months old before they reach you. The bank statements are not. ExactSum reads a full year of company banking — from any bank, in any format — and returns categorised revenue, every commitment sized, and the conduct signals your credit policy actually turns on.
Read More →Asset Finance
Hire purchase, leasing and refinance
The asset covers the loss you never wanted to take. The statements tell you whether the payment lands every month. ExactSum reads a full year of the applicant's banking and sizes every agreement already running before you add another one.
Read More →Invoice Factoring
Debtor books, dilution and concentration
A sales ledger tells you what was invoiced. The bank statement tells you what was actually paid, by whom, and how late. ExactSum reads a full year of company banking and shows the collection pattern sitting behind the book.
Read More →Consumer Lending
Personal loans, motor and retail credit
A bureau score says how somebody has behaved. The statement says what they can afford next month. ExactSum categorises a full year of personal banking and returns an affordability assessment with the evidence attached.
Read More →Individual Affordability
Mass-affluent and complex personal income
Portfolio landlords, company directors, consultants and pensioners hold more than one account and earn from more than one place. ExactSum reads all of it and returns a single affordability picture, with the source of every figure attached.
Read More →Law firms
Conveyancing
Source of funds on a property purchase
Buyers send twelve months of statements as a PDF, a scan, or photographs taken on a phone. ExactSum reads them, traces the deposit back to where it was earned or held, and gives you the lines behind every conclusion.
Read More →Source of funds & AML
Private client, probate and litigation
Beyond conveyancing, the same question follows every matter that moves client money. ExactSum reads the statements behind it and evidences where the funds were earned, held, or received.
Read More →Accountancy
Bookkeeping & management accounts
Categorised transactions and a cash P&L
For the clients whose records arrive as a carrier bag or a shared drive of PDFs. ExactSum reads the statements, categorises every transaction, and builds a profit and loss from the money that actually moved.
Read More →Client lending applications
Package a client's file for the lender
When you support a client's borrowing, the lender is going to read their statements with a credit engine. ExactSum runs the same analysis first, so you find the questions before the underwriter does.
Read More →Debt Servicing
Collections, forbearance and arrangements
An affordable arrangement holds. An optimistic one breaks in month three and costs more than it recovered. ExactSum reads the customer's own statements and produces a disposable-income picture you can evidence.
Read More →02 / The platform
What sits underneath all six
Every solution runs on the same engine, the same coverage and the same security posture. Only the questions asked of the statement change.
Computer vision, not a template library
Layout-aware models read the page the way a person does, so a bank ExactSum has never seen is read the same as one it has. No connector, no template, no waiting list.
Every figure traceable
Each number in the analysis links back to the transaction and the page it came from, so a decision made today can still be explained in a year.
Your policy, not ours
Thresholds, income requirements and red lines are yours to set. ExactSum applies them identically to every file and records which rule produced the outcome.
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.
08 / Workflow
Secure, Fast, Streamlined
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 files from your own book
Send us five cases you have already decided. We will show you what ExactSum returns and how it compares to the calls your team made.