12 months of statements. Scored in under two minutes.
YieldStream extracts every transaction, scores 20+ risk signals, and matches your lender panel before your underwriter opens the file.
How a deal moves through YieldStream.
Most underwriters spend 30 minutes manually reviewing files. YieldStream extracts every transaction and scores risk signals simultaneously — in under 120 seconds.
Drop a PDF or send a merchant upload link. YieldStream accepts any standard bank statement format — Chase, Wells Fargo, Mercury, you name it.
Every number extracted. Every number verifiable.
Statements are parsed line-by-line by deterministic extractors — not LLMs — so the numbers are exact. AI then turns those structured signals into the risk flags and summaries your team reviews against the source.
| Metric | AI Extracted | Human Verified |
|---|---|---|
| Avg Daily Balance | $43,400 | $43400 |
| Total Deposits | $155,000 | $155000 |
| Total Withdrawals | $136,400 | $136400 |
| NSF Count | 0 | 0 |
| # of Deposits | 27 | 27 |
| Avg Transaction | $5,741 | $5741 |
| Ending Balance | $47,740 | $47740 |
| EDB Trend | growing | AI-derived |
| DSCR | 6.6x | AI-derived |
The note that replaces 20 minutes of analysis.
YieldStream presents as a premium technology deal with $175K monthly revenue and clear upward trajectory (27% growth over 3-month review period). Revenue is primarily Stripe SaaS subscription payouts — the gold standard for lender underwriting as it demonstrates recurring, predictable income. Zero NSFs across all review months. One existing MCA position with Capital Plus at $1,067/day represents only 1.2% stacking burden — negligible. Average daily balance of $49K provides strong cushion. FICO of 760 opens all A-tier lenders. The C-Corp structure, 3.5 years in business, and clear use of funds (Series A bridge) further strengthen the profile. This is a top-decile deal — recommend aggressive multi-lender submission to maximize competitive tension.
Every analysis generates a structured, human-readable assessment. Your team reads the note, checks it against the data, and walks into every deal knowing exactly how to position it.
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.
Which lenders actually overlap on this deal.
Buybox overlaps humans miss. Color-coded term highlights, offer scoring with reasoning, and one-click package generation.
