Automate complex bank statement parsing and transaction-level cash flow reconstruction to detect hidden risks and make same-day credit decisions.
For many financial institutions, evaluating borrower liquidity remains one of the most labor-intensive parts of underwriting. Analysts spend hours working through months of bank statements, manually reviewing transactions, categorizing activity, and piecing together a picture of cash flow performance.
Transform raw bank statement activity into structured liquidity intelligence. By analyzing transactions, identifying behavioral patterns, and surfacing risk indicators automatically, underwriters have a clearer view of borrower financial health in minutes.
Proven operational improvements from banks and alternative lenders using Uptiq's lending intelligence agents.
Extracts, standardizes, and spreads borrower financial statements automatically, delivering structured financial insights that complement Cash Flow.
Drafts robust credit memos in minutes by autonomously synthesizing financial spreads, loan documents, and external data into your custom templates, cutting prep time by 63%.
Purpose-built financial capabilities that work together to automate liquidity analysis and borrower evaluation.
Extracts and categorizes transaction-level activity to calculate revenue trends, cash flow performance, and liquidity position.
Identifies patterns such as overdrafts, unusual deposits, recurring obligations, and cash flow volatility.
Applies institution-specific underwriting criteria to ensure consistent evaluation and exception handling.
Provides complete source-level lineage for every transaction, calculation, and generated insight.
Flags anomalies, policy exceptions, and borrower behaviors that may require additional review.
With more than 100 pre-built integrations across core banking platforms, LOS solutions, CRM systems, and external data providers, Uptiq works within the systems your teams already use, automatically pulling information required to generate complete credit packages.
Our team handles scoping, configuration, and go-live. Most financial institutions are in production within 5 business days, with no rip-and-replace of existing systems required.
