Label
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Review financial statements automatically

Label parses every transaction, categorizes them, and infers the signals underwriters actually care about. All in ~1 min

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See how it works

Faster review means faster funding

  1. Inputs

    PDF statements, Plaid, ID docs

  2. Parse

    Extract & normalize

  3. Analyze

    Categorize & infer

  4. Decision

    Underwriter dashboard

What Label extracts and infers.

These are signals that used to take hours of manual review to extract.

  • Transaction categorization

    Every line item bucketed — revenue, payroll, rent, debt service, owner draws, transfers, processor settlements.

  • Existing debt detection

    Recurring outflows are matched to known MCA, term-loan, and revenue-share signatures.

  • Cash flow & DTI

    Monthly revenue, expenses, free cash flow, debt service coverage, and month-to-month trends.

  • Anomaly & fraud flags

    Round-number deposits, balance manipulation, doc tampering, statement splicing.

Revenue vs expenses, monthly.

Three months of cash in, cash out — derived from the categorized ledger. The gap is what an underwriter ultimately prices against.

Revenue
Expenses
$47.2k
$31.8k

Jan

$52.4k
$35.6k

Feb

$58.1k
$38.2k

Mar

3-month net cash flow+$52,100

What underwriters see.

Rolled up, ranked, and ready to sign off — or kicked to a reviewer when the file doesn't read clean.

Categorized ledger

90 days

Every transaction in the period, mapped to the lender's chart of accounts.

  • Revenue $142,800
  • Payroll $38,400
  • Rent $9,200
  • Debt service $24,600
  • Owner draws $11,000

Existing positions

Recurring outflows matched against known funder signatures.

  • MCA — daily ACH

    Counterparty A

    $412 / day

    high

  • MCA — weekly

    Counterparty B

    $2,150 / wk

    high

  • Term loan

    Regional bank

    $1,840 / mo

    medium

Debt service coverage 1.42x

Flags

Surfaced for reviewer attention. Never a silent rejection.

  • Round-number deposit

    $5,000.00 on day 3 — no corresponding invoice trail

  • Balance jump

    Reconciliation gap of $812 between Feb close and Mar open

  • New ACH counterparty

    First-seen pull from "MERCH SVCS LLC" mid-cycle

See it on your deal flow.

A 30-minute walkthrough on real submissions. We score them alongside your underwriters and you keep the output.

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