Analyse and verify bank statements for trustworthy credit decisions.

Bank statement analysis for lending means reading an applicant's bank statements to understand their income, recurring obligations and cash flow before a credit decision is made. And lenders also need to know the statement itself can be trusted. Staple checks every bank statement for tampering and AI-generated content, extracts every transaction, identifies stable salary-like income and flags balances that don't add up, so your credit team only reviews the exceptions.

Lenders spot a fake bank statement in a loan application by checking two things: the file and the figures. The file can show editing in its creation history, the software that produced it or pixel-level changes. The figures give it away when the running balance stops adding up or salary credits don't match the payslips. Staple checks both on arrival, so analysts open only the statements marked Review required or Integrity issue detected.

Income is verified from a bank statement by identifying which credits are salary or other regular income, checking how stable they are over the statement period and matching them against the payslips and the income declared on the application form. Staple categorises every incoming transaction, totals the stable salary-like credits and flags the application when that total falls below your minimum income rule, so reviewers only handle the exceptions.

Yes. Bank statements arrive as native PDFs, scans and photos, often with hundreds of line items in layouts that change from bank to bank. Staple extracts header fields and line items without templates in 300+ languages, including stamps and handwriting. And it runs only the checks that are valid for each file type, so a scan it can't fully assess is marked Unable to assess instead of passing as clean.

The lender does. Staple analyses the bank statements, identifies stable income and flags anything outside your credit policy with the reason shown, but your credit team approves or declines the loan. Staple does not score applicants or act as a credit decision engine. Every figure it produces carries the source line, the rule applied and the reviewer's action, so your team can check the reasoning before relying on it.

A lender shows an auditor how an income figure was reached through a record of the statements received, the checks run, the transactions counted as income, who reviewed them and when. That record must not change after the fact. Staple records every action by the AI and the reviewer with timestamps and seals the evidence, so any later change can be detected and the loan file can be reconstructed when auditors ask.

Bank statement extraction turns the statement into data, such as balances, dates and transaction lines. Bank statement verification checks whether that statement and its data can be trusted, because a forged statement extracts just as cleanly as a real one. Staple does both. The Document layer checks the file for tampering and AI-generated content, and the Data layer checks that balances tally and income matches the payslips and application form.

Bank statement analysis software should check that the statement is authentic, that the balances add up, that income is stable and matches the payslips and application form, and that every figure can be traced for audit. Extraction alone passes edited statements straight through. Staple does all four, then pushes verified data into your loan origination system through APIs or webhooks, so it works alongside the system you already run.