TraceDataIQ
    For Lenders

    Underwriting Intelligence for Modern Lending

    Reduce defaults, speed up decisions, and scale your lending operation with AI-powered bank statement analysis.

    The Problem

    Manual Review Takes Hours

    Your analysts spend 30+ minutes per statement, limiting daily capacity.

    Missed Red Flags

    MCA/Term Loan stacking and fraud signals get overlooked in manual reviews.

    Inconsistent Scoring

    Different analysts produce different results for the same data.

    Default Losses

    Bad underwriting decisions cost thousands per failed deal.

    The Solution

    60-Second Analysis

    50x faster

    AI extracts and scores statements in under a minute.

    Automated MCA/Term Loan Detection

    100% coverage

    Pattern recognition identifies debt stacking automatically.

    Consistent Scoring

    0% variance

    AI applies the same rules to every statement, every time.

    Improved Accuracy

    ↓ 35% defaults

    Reduce defaults with comprehensive risk visibility.

    Integrated Workflow

    From applicant submission to underwriter decision—fully automated

    0s

    Upload Statement

    Drag & drop PDF or image files

    Multi-page supportAny bank formatBatch upload
    15s

    AI Extraction

    Vision AI reads every transaction

    GPT-4o VisionOCR fallback99.2% accuracy
    30s

    Analysis & Scoring

    Real-time risk calculation

    Cashflow scoreFraud detectionIndustry validation
    45s

    Report Generation

    Complete underwriting package

    PDF exportRisk flagsNarrative summary

    Who Uses TraceDataIQ

    Trusted by lenders across the alternative financing industry

    User base47% of users

    MCA/Term Loan Lenders

    Detect stacking, evaluate daily revenue consistency, and assess repayment capacity.

    User base32% of users

    SMB Lenders

    Analyze cashflow health, verify industry claims, and identify fraud patterns.

    User base12% of users

    Equipment Financing

    Validate business stability and assess monthly payment affordability.

    User base9% of users

    Invoice Factoring

    Confirm deposit patterns align with claimed receivables and customer base.

    Ready to Transform Your Underwriting?

    Join leading lenders who trust TraceDataIQ for faster, more accurate lending decisions.