Glossary
Bank statement analysis
Also called: statement underwriting, bank statement underwriting
One-sentence definition
Bank statement analysis is the process of reading a merchant's bank statements to assess revenue, cash flow, counterparty risk, and fraud signals for underwriting decisions.
Key takeaways
- Foundational input to MCA underwriting decisions.
- Increasingly automated through parsers and now intelligence layers.
- The bridge between raw transactions and an underwriter's judgment.
Why it matters for MCA underwriting
Bank statements are the most reliable source of merchant cash-flow data available to MCA underwriters. The depth of analysis applied to them is a primary determinant of underwriting quality.
How Vyaso detects bank statement analysis
Vyaso re-underwrites every transaction on every statement, surfacing nine families of fraud and inflation patterns and producing an adjusted-revenue figure plus a risk score.