Altered statement detection
Catch an edited statement before you fund
Editing a PDF leaves traces. Underly checks every PDF statement for them on upload, rates each one from Integrity OK to High risk and reconciles the balances, so a changed amount shows as a break.
Run a file free
First 10 statements free. No card.
How it works
What each statement is checked for
- Producing software
- Whether the PDF was made by a PDF library or an HTML-to-PDF tool rather than exported by a bank.
- Incremental saves
- Whether the file was saved again after it was first written.
- Timestamps
- A modification date earlier than the creation date, or either date in the future.
- Metadata
- Missing metadata, and files that can't be read at all.
- Rating
- The share of checks that raise a concern sets the rating: Integrity OK, Low risk, Concerning or High risk.
- Balances
- Opening balance plus credits minus debits has to equal the printed closing balance. A break, transactions outside the statement period or an opening that doesn't follow the last close are flagged.
FAQ
Common questions
Does High risk mean the statement is fake?
No. It means the file shows signs of editing worth a closer look, such as being saved again after export. Ask the merchant for statements downloaded straight from the bank.
Are CSV and Excel statements checked?
Their balances are reconciled like any statement. The file checks need a PDF, so spreadsheets don't get an integrity rating.
What does Balances not printed mean?
The statement doesn't print an opening or closing balance, so there's nothing to reconcile against.
Features
The rest of the read
- 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.
- 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.
Run your next file through Underly
The first 10 statements are free. No card.