Features
Bank statement analysis features
What Underly finds on a merchant's bank statements: existing positions, true revenue, NSFs, altered PDFs, debt-to-revenue and the business's state record.
- MCA stacking detectionEvery existing advance and loan by funder, with its payment, cadence and monthly total.
- True revenueTransfers, owner deposits, loan proceeds and returns taken out of gross deposits.
- Negative days and NSFsAverage daily balance, lowest balance, negative days and NSF returns, with a day-by-day balance calendar.
- Altered statement detectionPDF metadata and balance math checked on upload, so edited files are flagged before you fund.
- Line-item labelsEvery transaction labelled, from processor deposits to MCA debits and NSFs. Relabel in bulk and every figure recalculates.
- Debt-to-revenueExisting debt payments as a share of true revenue, so you see the room left before you fund.
- Business record checkThe merchant's state record, UCC filings and court cases, checked from the same analysis as the statements.
Start with 10 free statements
No card required. Unlimited users on every plan.