CLIENT LENDING · APPLICATION PACKAGING
See the file the way the lender will
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.
Before the file goes out
- 01 Affordability calculated from what actually landed
- 02 Existing commitments found and sized, including the forgotten ones
- 03 The entries an underwriter will query, listed in advance
- 04 A summary the lender can read without re-keying anything
99.4%
extraction accuracy, measured against manual review
50 in 5
client files read in five minutes, not five days
12 months
of history read on every account
01 / The file
Why applications come back
Rarely because the client cannot afford it. Usually because something in the statements was never explained, and the file went out anyway.
01
A commitment the client forgot to mention
02
Director drawings that look like trading income
03
A run of returned direct debits eighteen months ago
04
Revenue that arrives through three processors under three names
05
A two-week round trip for a question you could have answered
02 / What comes back
What comes back before you submit
The same modules a lender runs, run on your client's file first, with every finding tied to the line that produced it.
What will the lender see as income?
What will they query?
What proves who they are?
03 / Your checks
Your submission standard, checked before it leaves
Set what a file needs before your practice puts its name to it. Every client application comes back sorted, so nothing goes out with a hole in it.
Ready to send
Nothing outstanding — the file can go to the lender.
Exported as a summary the lender can read directly.
Needs a note
Something an underwriter will ask about.
Answer it in the covering note, not in three weeks.
Hold
A problem worth fixing before you submit at all.
Flagged with the evidence, while there is time to act.
Every outcome links back to the transactions that produced it.
04 / What changes
What changes for the practice
Fewer files come back
The questions an underwriter would have raised are answered in the covering note, so the application moves instead of bouncing.
You advise before you apply
Seeing what a lender will see means you can tell a client to wait three months, or to approach someone else, before a decline lands on their record.
The work is billable in an afternoon
Reading a year of statements by hand is a day nobody wants to charge for. Reading it in minutes turns application support into a service you can offer routinely.
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.
Also
Try it on an application you have already sent
Send us the statements from a client file you have submitted. We will show you what ExactSum returns and what the lender was likely to ask.