Financial · Underwriting
Convert PDF or fetched bank statements into structured income, cash-flow and risk signals — the analysis layer behind faster, sharper credit decisions.
Overview
What the Bank Statement Analysis API does
FinHub's Bank Statement Analyzer API parses statements (uploaded or fetched via account aggregator), categorizes transactions, and returns income estimates, average balances, bounce and obligation signals, and fraud flags such as tampering. It gives lenders a consistent, explainable view of a borrower's finances so underwriting runs on data, not manual review.
Inputs
- Statement (PDF) or AA-fetched data
- Consent artifact ID
Returns
- Income & salary estimate
- Average balance & cash flow
- Bounce & obligation signals
- Tampering / fraud flags
POST /v1/financial/bank-statement/analyze
How it works
Three steps to a verified result
Submit the statement
Upload a PDF or pass account-aggregator-fetched data with a consent artifact.
Parse & categorize
FinHub extracts and categorizes every transaction and detects tampering.
Get decision signals
Receive income, cash-flow, obligation and risk signals ready to feed your credit policy.
Use cases
Where teams use Bank Statement Analysis
- Digital lending & underwriting
- Income verification
- Cash-flow-based credit assessment
- Fraud detection on statements
FAQ
Bank Statement Analysis API — FAQs
Common questions about FinHub's Bank Statement Analysis API.
It returns structured income and salary estimates, average balance and cash-flow metrics, bounce and obligation signals, and tampering/fraud flags derived from the statement.
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Ready to add Bank Statement Analysis to your flow?
Book a demo and see the API return a verified result on your own test data in minutes.