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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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