Cash Flow Analysis
Automate and standardize bank statement income reviews
Standardize deposit-based income reviews.
Cash Flow Analysis is part of our Verification of Assets (VOA) solution for evaluating income via bank statements when traditional docs are unavailable. Ideal for Non-QM loans, it replaces manual, spreadsheet-heavy tasks with a rules-driven, repeatable workflow. It consolidates statement data, validates document integrity, and trends deposits to provide a clear, audit-ready record. By removing subjective judgment and reducing math errors, it helps lenders make faster, more confident decisions while minimizing rework and audit risks. It transforms complex data into a structured output for more efficient and accurate lending.
Eliminate manual calculation errors
Replace spreadsheet-heavy processes with automated data ingestion to stop math errors and missed data points that lead to costly quality control issues and loan application rework.
Get consistent reviewer decisions
Uses a rules-driven framework to standardize how transactions are included or excluded. This removes subjective judgment, ensuring two different reviewers reach the same conclusion.
Detect document integrity issues earlier
Automatically identify missing statement periods, document inconsistencies, or potential alterations early in the process to reduce defect risk before income calculations are finalized.
Accelerate non-QM loan processing
Quickly trend 12 to 24 months of deposits within a structured workflow. This speeds up qualifying income decisions for complex borrowers and allows your team to scale as volume increases.
Automated, consistent statement review
Cash Flow Analysis automates bank statement reviews. It features flexible data ingestion, built-in document integrity checks to spot missing data, and deposit reconciliation that trends income patterns over 12 to 24 months.
Flexible data ingestion
Supports multiple workflows by allowing bank statement data to be ingested directly from financial institutions or through borrower-uploaded statements. This flexibility ensures Cash Flow Analysis fits various lender and borrower requirements.
Document integrity checks
Includes built-in verification to identify missing periods, inconsistencies, and potential document issues. This reduces defect risk by catching altered documents or gaps in statement history before calculations are finalized.
Guided, rules-driven review
Reviewers work within a standardized framework to include or exclude accounts and transactions. This structured workflow reduces subjective judgment and ensures consistency, so different reviewers reach the same conclusion on the same data.
Audit-ready reporting
Generates a consistent cash flow summary that can be included directly in the loan file. This output provides a clear, defensible record of all inputs, decisions, and calculations, making the file ready for quality control and audits.
Flexible data ingestion
Supports multiple workflows by allowing bank statement data to be ingested directly from financial institutions or through borrower-uploaded statements. This flexibility ensures Cash Flow Analysis fits various lender and borrower requirements.
Document integrity checks
Includes built-in verification to identify missing periods, inconsistencies, and potential document issues. This reduces defect risk by catching altered documents or gaps in statement history before calculations are finalized.
Guided, rules-driven review
Reviewers work within a standardized framework to include or exclude accounts and transactions. This structured workflow reduces subjective judgment and ensures consistency, so different reviewers reach the same conclusion on the same data.
Audit-ready reporting
Generates a consistent cash flow summary that can be included directly in the loan file. This output provides a clear, defensible record of all inputs, decisions, and calculations, making the file ready for quality control and audits.
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