Statements Intelligence
Every statement read, reconciled and turned into evidence
Upload statements from any bank, in any layout. ExactSum extracts every transaction, checks each running balance against the one printed on the page, categorises the lot, and runs the analysis a credit decision actually needs, from revenue and affordability to unpaid items and existing lenders.
Analysis · sample case
Twelve months, two accounts, one business
| Module | Finding | Status |
|---|---|---|
| Balance reconciliation | Every running balance matches | Reconciled |
| Revenue streams | Top payer 31% of credits | Review |
| Unpaid / returned | 3 returned direct debits | Flag |
| Lender flag | 2 possible lenders | Flag |
| HMRC | VAT and PAYE paid monthly | Clear |
| Document forensics | Bank-generated PDF | Normal |
Illustrative case. Every figure in a real case links back to its transactions.
01 / What it reads
From a PDF to the questions credit asks
The same engine works on business and personal accounts. Modules switch on for the applicant in front of you: director transfers for a company, benefits and essential living costs for an individual.
01
Extraction from any bank
Statements from hundreds of banks and layouts, native PDF or scan, one page or several hundred. Each transaction keeps the page it came from, and every export carries that page number.
02
Balance reconciliation
Opening balance plus money in, less money out, must equal the next printed balance. Rows that break the chain are flagged, and amounts placed in the wrong column are corrected against the balance.
03
Categorisation
Every transaction categorised, with rules you can change. Cash P&L, sales view and statement-of-financial-status reports build on the same categories.
04
Revenue and income
Revenue streams and top payers, cash deposits, salary and wages, benefits and tax credits, recurring transactions and monthly trends.
05
Outgoings and debt
Rent, direct debits, essential living costs, loan repayments, existing debt payments including buy now pay later, and counterparties that both pay in and take out: the lender flag.
06
Risk and compliance
Overdraft days and severity, unpaid and returned items, gambling activity, HMRC payments, director and linked-party transfers, and document forensics on every PDF.
02 / What you get
Evidence, not a score
ExactSum does not hand you a black-box number. It hands you the figures, the transactions behind them and the flags, so the analyst decides and can show why.
- An affordability summary and written affordability commentary built from the categorised transactions.
- Your own credit policy applied through the Decision Engine: approve, refer or decline, with the rule that fired.
- Filed and management accounts, Companies House and Irish CRO data, and HM Land Registry values alongside the statements.
- Exports to Excel, CSV and JSON, through the web app or the REST API.
Why reconciliation comes first
A language model can read a statement well and still put an amount in the wrong column, or swap a day and a month. The balance on the page is the check that catches it, so every analysis starts from transactions that have passed it.
Also on the platform
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.