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Uptiq's Document AI extracts the independent auditor's report and opinion type, the audited statements, and the notes to the financial statements — covenant disclosures, contingencies, related-party transactions, subsequent events — and lands both the figures and the note-level findings in your spreading template and credit file.
Trusted by financial institutions across banking, lending & credit
What Is This
An audited business financial statement is a financial statement package examined by an independent CPA firm under GAAS, carrying an auditor's opinion and detailed notes that lenders treat as the highest-assurance version of a borrower's numbers.
Uptiq's Document AI extracts the independent auditor's report and opinion type, the audited statements, and the notes to the financial statements — covenant disclosures, contingencies, related-party transactions, subsequent events — and lands both the figures and the note-level findings in your spreading template and credit file.
Opinion type — unqualified, qualified, adverse, or disclaimer — is buried in one paragraph of the auditor's report
The Solution
Uptiq's Document AI extracts the independent auditor's report and opinion type, the audited statements, and the notes to the financial statements — covenant disclosures, contingencies, related-party transactions, subsequent events — and lands both the figures and the note-level findings in your spreading template and credit file.
The result: your team spends time on judgment calls, not re-keying audited business financial statement data — measured across production deployments.
What Uptiq Extracts
A sample of the structured fields Uptiq's Document AI captures from this document type.
| Field | Example |
|---|---|
| Auditor Opinion Type | Unqualified |
| Total Revenue | $14.2M |
| Net Income | $1.06M |
| Notes Covenant Disclosure | DSCR >= 1.20x, tested quarterly |
| Audit Firm | Hallmark & Reese CPAs, P.C. |
| Fiscal Year End | 2025-12-31 |
| Audit Report Date | 2026-03-18 |
| Related-Party Transactions | $420K due from shareholder |
{
"auditor_opinion_type": "Unqualified",
"total_revenue": "$14.2M",
"net_income": "$1.06M",
"notes_covenant_disclosure": "DSCR >= 1.20x, tested quarterly",
"audit_firm": "Hallmark & Reese CPAs, P.C.",
"fiscal_year_end": "2025-12-31"
}Key Benefits
Uptiq's Document AI extracts the independent auditor's report and opinion type, the audited statements, and the notes to the financial statements — covenant disclosures, contingencies, related-party transactions, subsequent events — and lands both the figures and the note-level findings in your spreading template and credit file.
Opinion type — unqualified, qualified, adverse, or disclaimer — is buried in one paragraph of the auditor's report
Covenant definitions and debt maturity schedules live only in the notes, not on the face of the statements
Every extracted field traces back to its source page — examiner-ready documentation, every time.
100+ native integrations across loan origination systems, cores, and workflows. No new infrastructure.
Process more audited business financial statement volume with your existing team as application volume grows.
Proven at Scale
Results represent aggregate outcomes across production deployments. Individual results may vary.
How It Works
The audited business financial statement arrives via email, portal, or upload. AI classifies it automatically.
Fields are extracted at 95%+ accuracy with full data lineage back to the source page.
Derived metrics and ratios are calculated automatically from extracted figures.
Structured, extracted data lands in your existing loan origination or servicing system.
Common Questions
Related Document Types
Book a 30-minute session. We'll run a live extraction demo on your own audited business financial statement documents.
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