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From pre-qualification to final underwriting in about a minute. Upload the application and bank statements, and AI-Underwriters detects MCA positions, scores risk, and generates a complete lender-ready report on your own branded platform.
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Drag & Drop Application + Bank Statements
Application PDF + 3 bank statement PDFs
APP
Application.pdfOwner + businessPDF
March 2026.pdfChase BankPDF
April 2026.pdfChase BankPDF
May 2026.pdfChase BankFiles staged — ready to analyze.
AI Analysis in Progress
Reading uploaded files and extracting transaction rows…
0%
Multi-agent pipeline · bank + MCA + credit + scoring in one pass
✓
Application
Read
✓
Bank Statements
3 PDFs
✓
Avg Revenue
$214K
✓
MCA Positions
1
✓
Combined Grade
A
✓
Full Report
Done
Reading application — owner, EIN, business name, industry
Extracting 3 months of credits, debits, balances, ledger rows
Reconciling statement totals against 512 extracted transactions
Classifying true revenue, returns, transfers, exclusions
Detecting MCA positions, NSF, overdraft, cash-stress events
Scoring risk, holdback capacity, verifier flags, stipulations
Assembling the full lender-ready underwriting report
Application Snapshot File Identity
Business
| Legal Name | GOLDEN LOTUS BISTRO LLC |
| Bank | Chase Bank |
| State | TX |
| Industry | Fine Dining Restaurant |
| Time in Business | 7 years |
Owner · Internal Only
| Owner | DAVID T. NGUYEN |
| SSN | ***-**-8807 |
| Phone | (512) 440-2918 |
| Ownership | 100% |
| Report Type | Bank + Credit |
Statement period: Mar–May 20263 months reviewedSoft credit pulled
AI Executive Summary Agent 7 · Combined
GOLDEN LOTUS BISTRO LLC operates in the fine-dining industry, generating an average monthly revenue of $214,640 over three months reviewed. Risk posture is paper grade A with 0 NSF events and strong daily balances. The business carries 1 confirmed MCA position and 0 under review, producing a low debt load of 11%.
Bank GradeA · 89/100
Strong cash-flow
Credit Signal742 FICO
iSoftpull verified
CombinedA · 91/100
After caps
Executive Quick Facts At a Glance
True Avg Revenue$214,640
After exclusions
Owner FICO742
Soft pull
Active MCA1
Evidence-filtered
Debt Load11.0%
Well within policy
Credit Snapshot Soft pull
Pull StatusComplete
No hard inquiry
Owner FICO742
Very good band
Identity MatchVerified
Owner / ID / bureau
ConsentLogged
Lender attested
Credit Analysis iSoftpull
| Check | Result | Status |
|---|---|---|
| Soft Credit (FICO) | 742 · Very Good band | Pass |
| Revolving Utilization | 18% · healthy | Pass |
| Open Inquiries (6 mo) | 2 · normal activity | Pass |
| Derogatories | None reported | Clear |
| Collections / Charge-offs | None material | Clear |
Credit Consent Audit Compliance Layer
Applicant Authorization
- ✓Authorization confirmed before soft pull.
- !Signed application should contain authorization clause.
- !Store source PDF / application audit ID.
Lender Attestation
- ✓Lender certified consent & permissible purpose.
- ✓Lender account, user ID, timestamp, IP recorded.
- ✓Owner identity matched application, ID, and bureau.
Public Records & Legal Risk Full Layer
| Record Type | Status | Underwriting Action |
|---|---|---|
| Bankruptcy | Clear | No filings found |
| Judgments | Clear | None on record |
| Tax / Liens | Clear | No open liens |
| UCC / Secured | 1 active | Matches confirmed MCA |
| Fraud / ID Alert | Clear | No alerts |
Combined Quality Score After safety caps
Bank capacity hard-gates (NSF >20, negative days >15, FICO <450, debt load >50%) all passed cleanly — no caps applied to this file.
Visual Charts 4 views · live data
Monthly Revenue & Debit Trend
March 2026
Gross
$208.4K
True Rev
$208.4K
Debits
$161.2K
April 2026
Gross
$201.8K
True Rev
$201.8K
Debits
$154.6K
May 2026
Gross
$248.7K
True Rev
$233.7K
Debits
$168.9K
Revenue Exclusion Summary
Gross Before Excl.$219,640 avg
MCA/Loan Excluded−$5,000 avg
True Avg Revenue$214,640 avg
BY MONTH
Mar$0 excluded
Apr$0 excluded
May$15,000 excluded
Combined Score Breakdown
A
91/100
Bank Cash-Flow 70%89
Soft Credit 20%94
Verification 10%96
All hard safety gates passed — no caps applied.
MCA Position Burden
DAILY DEBT
$742
1 position
DEBT LOAD
11%
of daily rev
Daily Revenue$9,756/day
MCA Daily Payment$742/day
Remaining capacity: $1,890/day — well within threshold.
Revenue vs. Debits (Vertical View)
True Revenue (credits)Debits
Bank Statement Analysis Chase Bank
Avg Monthly Revenue$214,640
After exclusions
Avg Daily Balance$48,210
Daily ending
NSF / OD0 · 0
0 negative days
| Month | Gross | Excluded | True Rev | Debits |
|---|---|---|---|---|
| Mar 2026 | $208,420 | −$0 | $208,420 | $161,240 |
| Apr 2026 | $201,780 | −$0 | $201,780 | $154,610 |
| May 2026 | $248,720 | −$15,000 | $233,720 | $168,930 |
Statement Reconciliation Extracted vs. stated
| Month | Stated Cr. | Extracted Cr. | Stated Db. | Result |
|---|---|---|---|---|
| 2026-03 | $208,420 | $208,420 | $161,240 | Pass |
| 2026-04 | $201,780 | $201,780 | $154,610 | Pass |
| 2026-05 | $248,720 | $248,720 | $168,930 | Pass |
Revenue Classification Confirmed exclusions only
Gross Before Excl.$219,640
3-month avg
Non-Revenue Excluded−$5,000
MCA / loan funding
True Avg Revenue$214,640
After exclusions
MCA Positions & Reconciliation Evidence-filtered
| Lender | Type | Daily Equiv. | Status | Evidence |
|---|---|---|---|---|
| RAPID FINANCE | Daily MCA | $742 | Confirmed | 100/100 |
Single confirmed position with healthy remaining capacity. No stacking detected — clean for a 1st-position consolidation or add-on.
Three-Tier Offer Options Auto Offer Engine V2 · Approved
Approved
Conservative
$120,000
Factor 1.229 mo
≈ $688 / day
★ Recommended
Base
$185,000
Factor 1.2811 mo
≈ $968 / day
Approved
Stretch
$250,000
Factor 1.3412 mo
≈ $1,317 / day
All tiers sized within the 22-business-day holdback model. Base tier recommended — strongest balance of advance size and approval confidence.
Holdback Analysis 22-business-day method
Daily Revenue$9,756
Rev ÷ 22 days
Debt Load11.0%
vs. daily revenue
Remaining Capacity$1,890/day
Available
Recommended Pmt$968/day
Base tier
Detection Flags Final filtered
Stacking Risk
Low
Single confirmed MCA position. No stacking pattern detected.
Credit Shopping
Normal
2 inquiries in 6 months. Standard verification applies.
NSF / OD Pattern
Clean
0 NSF · 0 OD · 0 negative balance days.
Verifier Flags 0 blocking · 2 total
NoteOwner holds 100% equity — sole guarantor confirmed. No additional guarantors required.
NoteStrong remaining capacity ($1,890/day) comfortably supports the recommended Base offer. No sizing concerns.
Data Sources & Audit Trail Transparency
Bank Source
- ✓PDF extraction used for bank analysis.
- !Live bank verification required before funding.
- ✓Totals reconcile to official summaries.
Decision Source
- ✓Final = bank 70% + credit 20% + verification 10%.
- ✓All hard safety gates passed — no caps applied.
- ✓Soft credit verified and identity matched.
Required Stipulations Before funding
Bank / Cash-Flow
- ✓No blocking signals — file clear for funding.
- !Confirm 1 confirmed MCA balance / payoff if consolidating.
- ✓All statement months reconciled cleanly.
Credit / Compliance
- ✓Keep applicant soft-credit authorization on file.
- !Match owner name, SSN, ID, bureau identity.
- ✓Soft pull only — no hard inquiry used.
Identity & Account Holder Verification KYC / Fraud Prevention
Application OwnerDAVID T. NGUYEN
From application
Credit ConsumerDAVID T. NGUYEN
iSoftpull verified
Identity MatchConfirmed
Owner vs. bureau
| KYC Item | Requirement | Status | Notes |
|---|---|---|---|
| Application Owner Name | Must match bank account holder and credit consumer | Captured | DAVID T. NGUYEN |
| Bank Account Holder | Statement must show account holder matching owner | Verified | Chase Bank account confirmed |
| Credit Report Consumer | Must match application owner (first + last name) | On file | iSoftpull soft pull — name matched |
| Government-issued ID | Driver's license or passport — all fundings | Pending upload | Collect before final funding |
| Ownership / Signer Authority | ≥50% ownership or notarized authority | 100% owner | Sole proprietor — confirmed |
| SSN / EIN Cross-match | SSN on credit must match application + W-9 EIN | Pending | W-9 required to confirm EIN match |
| OFAC / Sanctions Screen | Owner and business must not appear on OFAC SDN list | Clear | No matches found |
SOS / Business Verification KYB Layer
Business Identity
| Legal Name | GOLDEN LOTUS BISTRO LLC |
| State Filed | TX |
| Business Type | LLC · Fine Dining |
| Time in Business | 7 years |
| Bank | Chase Bank |
SOS Standing
| Entity Status | Active |
| Good Standing | Confirmed |
| Registered Agent | On file |
| Annual Report | Current |
| EIN / TIN | On application |
Bank Verification & Live Connection Live Verification Layer
Statement ExtractionComplete
512 transactions parsed
Live Bank ConnectionPlaid Verified
Account ownership confirmed
Account OwnershipConfirmed
Name match passed
Current BalanceVerified
Live balance on file
| Verification Item | Method | Status | Notes |
|---|---|---|---|
| Bank statement PDF extraction | AI Underwriter v4 — OCR + pdfplumber | Complete | March–May 2026 · 512 transactions |
| Bank name & account ID | PDF header extraction | Identified | Chase Bank · account holder confirmed |
| Live bank verification | Plaid / DecisionLogic | Connected | Live balance verified before funding |
| Account holder name match | Plaid identity layer | Matched | DAVID T. NGUYEN confirmed on account |
| Statement reconciliation | AI cross-check vs. extracted totals | Pass | All 3 months reconcile within tolerance |
Event Detail Per-month transaction breakdown
| Month | Gross Deposits | True Revenue | Total Debits | NSF Events | OD Events | Neg Days |
|---|---|---|---|---|---|---|
| March 2026 | $208,420 | $208,420 | $161,240 | 0 | 0 | 0 |
| April 2026 | $201,780 | $201,780 | $154,610 | 0 | 0 | 0 |
| May 2026 | $248,720 | $233,720 | $168,930 | 0 | 0 | 0 |
May exclusion of $15,000 = one MCA funding deposit — classified and removed from true revenue. All other months clean.
Financial Insights Trend Analysis
Avg Monthly Revenue$214,640
True rev / 3 months
Avg Daily Balance$48,210
Ending-balance avg
Total Gross Deposits$658,920
All credits before excl.
NSF + OD Events0 total
All analyzed months
Negative Balance Days0 days
Account never negative
Daily Revenue (22BD)$9,756/day
Revenue ÷ 22 bus. days
Month-over-Month Revenue Trend
Mar 2026
Apr 2026
May 2026
Debt Signals Obligation Analysis
Active MCA Positions1
Evidence-confirmed
Confirmed Daily Debt$742/day
1 confirmed position
Debt Load11.0%
vs. daily revenue
Stacking RiskLow · Clear
No stacking detected
| Lender | Status | Daily Payment | Remaining Balance | Signal |
|---|---|---|---|---|
| RAPID FINANCE | Confirmed | $742 | Est. $38,000 | Evidence confirmed · 100/100 |
Single confirmed MCA — no stacking pattern. Remaining daily capacity of $1,890/day comfortably supports new advance. Clean for 1st-position consolidation or add-on.
Document Checklist & Funding Package Funding Package
Blocking Flags0
File clear for contract
Bank StatementsReceived
3 months extracted
Credit AuthorizationLogged
Consent attested
| Document / Item | Required For | Status | Notes |
|---|---|---|---|
| Signed application | All fundings | On file | Golden Lotus Bistro LLC — report WVC-A4F90C21 |
| Bank statements (3 months) | All fundings | Received & analyzed | March–May 2026 · Chase Bank · 512 txns |
| Credit authorization / consent | Credit pull and underwriting | Logged | Soft pull attested · no hard inquiry |
| Government-issued photo ID | All fundings — KYC | Pending upload | Driver's license or passport required |
| Voided check or bank letter | ACH / wire disbursement | Pending | Required before disbursement |
| Operating agreement / articles | LLC ownership confirmation | Pending | Confirm 100% owner signer authority |
| MCA payoff / balance letter | Consolidation or add-on | If consolidating | Rapid Finance position — confirm balance if refinancing |
Final Report Completion Report Ready
Report Status✓ Complete
All sections reviewed
DecisionApproved
Bank + Credit
Runtime31.9s
Full report
Sections Completed
- ✓Application Snapshot · Identity · KYC
- ✓AI Executive Summary · Quick Facts
- ✓Credit Snapshot · Credit Analysis
- ✓Consent Audit · Public Records
- ✓SOS / KYB · Bank Verify
- ✓Combined Score · Revenue Charts
- ✓Bank Analysis · Statement Reconciliation
- ✓Financial Insights · Event Detail
- ✓Revenue & Exclusions · MCA Positions
- ✓Debt Signals · Offer Engine · Holdback
- ✓Detection Flags · Verifier Flags
- ✓Transparency · Stipulations · Doc Checklist
Final Recommendation
- ✓Combined grade A · 91/100 — strong file.
- ✓Base offer $185,000 recommended.
- ✓Factor 1.28 · 11-month term · $968/day.
- !Collect government ID before funding.
- !Voided check required for ACH disbursement.
- ✓No stacking, no NSF, no public records — clean deal.
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