Comparison
Underly vs MoneyThumb
MoneyThumb converts statements into data, scorecards and accounting files, with an API, sold after a demo. Underly reads MCA files for positions and true revenue, free to start.
LendPipe team
Underly
Bank statement analysis for lenders, brokers and accountants
- Best for
- Funders, ISO brokers and accountants
- Try it
- 10 statements free, no card
- Paid plans
- From $49 a month for 100 statements
- You pay for
- Statements: one account, one month
MoneyThumb
Bank statement conversion and scorecards for lenders
- Best for
- Lenders, banks, fintechs and accountants
- Try it
- Trial set up on request
- Paid plans
- From $599.95 a year, quoted after a demo
- You pay for
- Conversions: one monthly statement
Where they differ
How is Underly different from MoneyThumb?
Every position by funder, not a count
- Underly
- Each existing position with its funder, payment, cadence and monthly total.
- MoneyThumb
- The scorecard reports the number of MCA positions on a statement.
Underwriting figures, not accounting files
- Underly
- True revenue, debt-to-revenue, negative days and NSFs, each traced to its transactions.
- MoneyThumb
- Converts statements to Excel, CSV and JSON, and to QuickBooks, Xero and other accounting formats.
Start today, no demo
- Underly
- Sign up and upload; the first 10 statements are free, no card.
- MoneyThumb
- Lender plans start with a demo, and trials are set up on request.
Side by side
Underly and MoneyThumb, line by line
| Underly | MoneyThumb | |
|---|---|---|
| Reading the statements | ||
| Existing positions | Each funder, payment, cadence and monthly total | Count of MCA positions on the scorecard |
| True revenue | Transfers, owner money, financing and returns removed | MCAs, loans and recovery companies removed |
| Balances | Average daily, lowest, negative days and NSFs | Average daily balance, negative days and NSFs |
| Altered statements | PDF metadata and balance checks, rated | Patented Thumbprint score; scans aren't scored |
| Files | PDF, CSV, Excel and photos | PDFs and scans, plus Plaid and Finicity |
| What you get back | ||
| Human review | No: Printed balances checked instead | Yes: Reviewed for accuracy |
| Exports | CSV, Excel workbook and PDF report | Excel, CSV, JSON and accounting files |
| API and CRM | Yes: API and webhooks on paid plans, no CRM connection | Yes: API, webhooks, LendSaaS, Salesforce |
| Data | ||
| Security | SOC 2 Type II audited providers | SOC 2 Type II, report under NDA |
| Model training | Statements never used | Not published |
MoneyThumb facts from 6 pages on moneythumb.com, checked October 13, 2026
Fit
Which should you choose?
Choose MoneyThumb if
- You need QuickBooks, Xero or other accounting files.
- You want a CRM integration such as LendSaaS or Salesforce.
- Statements arrive scanned, faxed or through Plaid.
- Your vendor review needs the vendor's own SOC 2 report.
Choose Underly if
- You want each existing position laid out by funder.
- You'd rather start today than book a demo.
- Statements come as CSV or Excel as well as PDF.
- You want the transactions behind every figure.
Price
Is Underly cheaper than MoneyThumb?
A four-month file on one account
Underly
$49 a month covers 100
4 statements
MoneyThumb
From $599.95 a year
4 conversions
Both count the monthly statement, not the page. MoneyThumb quotes its lender plans after a demo; its accounting converters start at $24.95 a month for 5 conversions.
FAQ
Common questions
Is Underly a MoneyThumb alternative?
For MCA and small-business bank statement analysis, yes. Underly doesn't produce QuickBooks or Xero files or connect to a CRM, so MoneyThumb remains the fit for accounting conversion and CRM pipelines.
Does Underly export to QuickBooks like MoneyThumb?
No. Underly exports a CSV of every transaction, an Excel workbook and a PDF report. There's no QBO or OFX file and no direct QuickBooks or Xero connection.
Can I try Underly without a demo?
Yes. Sign up and upload; the first 10 statements are free with no card. MoneyThumb sets up lender trials on request.
Start with 10 free statements
No card required. Unlimited users on every plan.