AI Underwriting

30 minutes of manual review.
Replaced in 120 seconds.

Upload a bank statement PDF. YieldStream's OCR + AI pipeline extracts, analyzes, and scores 20+ risk signals — then feeds every one directly into lender matching.

The 2-Minute Audit

From raw PDF to scored intelligence.

LlamaParse handles OCR extraction with 97%+ accuracy. Gemini AI then enriches the raw data into structured risk signals. The entire pipeline runs asynchronously — upload and move on to your next deal.

1
Upload
Drop PDF or use merchant upload portal
0s
2
OCR Extract
LlamaParse extracts tables, transactions, balances
~30s
3
AI Enrich
Gemini detects trends, NSFs, stacking, anomalies
~60s
4
Score Ready
20+ risk signals feed into lender matching engine
~120s
Document Analysis
20+ Risk Signals

Everything a human underwriter checks. Automatically.

Monthly Revenue

Average, trend direction, and volatility

Daily Balances

ADB calculation with low-point detection

NSF Frequency

Count, pattern, and severity classification

Stacking Detection

Active MCA positions and total burden

DSCR

Debt service coverage ratio calculation

Revenue Trend

Growing, stable, declining, or volatile

Lien / Garnishment

Automated flag detection in transactions

Anomaly Detection

Unusual deposits, gaps, or pattern breaks

Underwriting Intelligence
The Underwriter's Note

AI you can read, verify, and trust.

Every AI analysis generates a single human-readable sentence explaining the structural assessment. Your team reads the note, checks it against the data, and builds confidence in the system over time.

✎ Example Note

Premium profile — $120K ADB is well above most lender floors; expect competitive factor rates. Revenue stable with no NSFs in 90 days.

No black boxes. No unexplainable scores. Just clear signals your team can verify against the source documents.

Approval Comparison

See which lenders overlap — and which don't.

The approval comparison view shows buybox overlaps that humans miss. Color-coded term highlights, offer scoring with reasoning, and one-click package generation.

Offer Comparison

See the underwriting in action.

Upload your first bank statement and watch the AI work in real-time.