Read every statement like an analyst would, in seconds.
Upload a PDF or connect an account. Pivox extracts every transaction, categorizes it, verifies income and cashflow, and flags what needs a second look. Your team reviews conclusions, not raw statements.
From raw statement to decision-ready signal.
Any format, any bank
PDF uploads, CSV exports, or a live account connection: Pivox normalizes the layout differences automatically.
Every line item, classified
Income, debt service, operating expense, transfer: transactions are grouped with merchant-level context, not keyword guessing.
Risk surfaces itself
NSF activity, negative-balance days, undisclosed debt, and irregular deposits are flagged with the transaction that triggered them.
Built for the details underwriters actually check.
Income & cashflow verification
Distinguishes recurring payroll from one-off deposits and calculates true, verifiable monthly income.
Daily balance & NSF tracking
Surfaces average daily balance trends, negative-balance days, and insufficient-funds activity at a glance.
Fraud & tamper detection
Flags altered PDFs, inconsistent metadata, and formatting anomalies that indicate a doctored statement.
Undisclosed debt & stacking
Identifies repayment patterns that indicate existing loans or cash advances, even before they hit a credit report.
500+ category taxonomy
A merchant-aware categorization engine covering income, expense, and industry-specific transaction types.
Structured, exportable output
Every result ships as clean, structured data, ready for your underwriting rules or loan origination workflow.
One call. Structured output.
Send a statement, get back income, expenses, risk flags, and a full transaction ledger, ready to feed straight into origination or your own underwriting logic.
POST /v1/statements/analyze
{
"applicant_id": "appl_2891",
"document": "statement_may_2026.pdf"
}
// response (truncated)
{
"verified_monthly_income": 4820.00,
"avg_daily_balance": 2140.55,
"nsf_events_90d": 0,
"risk_flags": ["unusual_transfer"]
}