Lending Using Bank Statements
Category: Lending Using Bank Statements
The Modern Underwriter’s Checklist: What Actually Matters in 2025
“Do you know how many loan files a senior underwriter clears in a day at a mid-sized NBFC?” Somewhere between 25 to 40. That’s one every 10–15 minutes. Not much time to catch fraud, misreports, or subtle red flags. And yet, one mistake could cost lakhs—or worse, your company’s reputation. That’s the pressure of credit…
How to Detect Borrower Fraud Before It Hits Your Balance Sheet
“He seemed genuine—until the EMI bounced. Twice.”That’s what a frustrated loan officer said after a ₹40 lakh business loan turned sour. The borrower had all the right documents, clean statements, even a good credit score. But three months in, the cracks began to show. Welcome to the real face of borrower fraud—quiet, clever, and far…
Why Embedded Finance Is the Next Fintech Disruption in India- What It Means for SMBs?
What if your competitors could offer loans, credit, or insurance without ever being a bank? That’s not a futuristic idea anymore – it’s happening now. And if your business still depends on outdated tools and legacy finance workflows, you might be falling behind. Welcome to the new fintech frontier: Embedded Finance. In simple terms, it…
Bank Statement Analysis: The Hidden Red Flags Lenders Often Miss
According to recent reports,over 18% of loan defaults had warning signs right inside the bank statement—signs that were missed during the review. It wasn’t missing documents. It wasn’t poor credit scores. Just small clues hiding in plain sight. Most teams only check for large deposits or low balances. But that’s just the surface. The real…
How to Use Bank Statement Analyser to Improve Borrower Conversations
Let’s say you’ve got two sales reps calling the same borrower. One jumps in with no prep—just the application form and a few standard questions like, “What’s your income?” or “Any existing loans?” The borrower responds politely, but it’s all surface stuff. Now imagine the second rep. Before the call even starts, he’s seen the…
Top 7 Benefits of Automated Bank Statement Analysis for Lenders
In this modern lending era, speed is currency and trust is fragile. And if you’re still reviewing bank statements line by line. You’re basically riding a bicycle in a jet-speed race.Sure, you might reach the finish line—but you’ll be late, exhausted, and maybe misled.If you’re the kind of lender still zooming into PDFs with one…
How to Train Your Sales Team for analysing bank statements
Most sales teams are great at spotting opportunities—but not always the risks hiding beneath. A client may look promising during discussions, but if their bank statement tells a different story, your team could be walking straight into financial trouble. That one oversight? It can cost more than just a deal—it can shake the business. In…
3-Step Process to Review Any Bank Statement Without Excel
Are you a finance pro, but your daily task looks like this?Opening PDFs, converting to Excel, copy-pasting line by line, fixing rows, checking data with a pen and paper. Then this blog is for you — because I’ve been there too. In the next few minutes, we’ll break down how real finance professionals handle all…
Top Lending Tech Tools NBFCs & DSAs Must Use in 2025
In 2025, the race to digitize lending is no longer a trend, it’s a matter of survival. NBFCs and DSAs that want to stay relevant must evolve beyond spreadsheets and fragmented systems. The winners will be those who invest in a modular, API-first lending tech tool, one that enables speed, scalability, and smarter decisions. So,…
What You Can Discover in 5 Minutes With a Bank Statement Analyser
“What is a bank statement analyser?”This is a common question many people ask before transitioning to AI-driven financial tools. As the fintech industry continues to evolve, the move towards automated analysis has increased by 19.9% in just one year. If you’re one of the many looking to take your business to the next level, this…