AI-Powered Bank Statement Intelligence

Turn bank statements
into financial intelligence

Extract, analyse, and act on bank statement data in seconds. Fraud scoring, credit metrics, income verification, all via a single API.

Who are you?

99.2%
Extraction accuracy
<3s
Avg. processing time
50+
Nigerian banks supported
100%
Consent-controlled
app.flvxtract.com/analysis
Statement
GTBank Statement
Jan to Mar 2025
Completed 247 transactions
Financial Health
B+
78
Cash flow stability Good
Debt-to-income Moderate
Salary regularity Consistent
Monthly Cash Flow
Jan
Feb
Mar
Inflow
Outflow
Fraud Risk
Low · 18
Credit Metrics
DSCR 1.42
Expense ratio 58%
Loan repayment Consistent
Decision
Proceed
Stable income, low fraud risk, adequate cash flow.
Everything you need

Not just extraction.
Full financial intelligence.

From raw PDF to actionable credit decision, in one platform.

AI + OCR Extraction

Auto-detects bank format, extracts every transaction with confidence scoring. Gemini AI handles unstructured layouts other tools fail on.

Fraud Risk Scoring

0–100 fraud score with severity-weighted indicators. Detects circular transactions, self-transfers, bounced cheques, and unusual counterparty patterns.

Credit & Lending Metrics

DSCR, debt-to-income ratio, salary regularity, expense ratio, and a full cashflow scorecard: everything underwriters need, automatically computed.

Consent-Based Data Sharing

Consumers approve exactly which statements to share with which businesses. Full audit log. Access revocable at any time.

AI Financial Advisor

Conversational AI that analyses your statements in real time. Ask "How much can I safely spend?" and get data-backed answers instantly.

Human Review Queue

Low-confidence extractions are routed to a review queue for staff validation, ensuring accuracy even on edge-case statements.

Simple by design

From upload to decision
in three steps

1

Upload the PDF

Upload via dashboard or API. FLVXtract auto-detects the bank, format, and statement period. No configuration needed.

2

AI processes it

Our AI engine extracts every transaction, scores confidence, detects income streams, flags fraud indicators, and computes credit metrics, all in under 3 seconds.

3

Get your decision

Receive a full financial health grade, fraud score, and lending decision via dashboard or webhook. Export as JSON, CSV, XLSX, or OFX.

# Upload a statement and get analysis
curl -X POST https://api.flvxtract.com/v1/statements \
  -H "Authorization: Bearer {API_KEY}" \
  -F "file=@statement.pdf" \
  -F "employmentType=Salaried"

# Response
{
  "statementId": "stmt_01J9X...",
  "status": "Processing",
  "webhookUrl": "https://yourapp.com/webhook"
}
Built for two worlds

Whether you're a business
or an individual

For businesses

Lenders & Fintechs

Automate credit underwriting and KYC workflows. Get rich financial signals that replace manual document review, in seconds, at any scale.

  • Automated income & employment verification
  • Fraud detection before disbursement
  • Scalable API with webhook notifications
  • Consent-gated consumer data requests
  • Full audit trail for compliance
Start building
For individuals

Personal finance

Understand your money like never before. Upload your statements and get AI-driven insights into spending, savings, and financial health. Privately.

  • Spending breakdown by category
  • AI advisor answers your financial questions
  • See your financial health score (A–F)
  • Control exactly who sees your data
  • Export transactions in multiple formats
Create free account
Simple pricing

One platform, two worlds

Whether you're building a lending product or managing your personal finances, there's a plan for you.

Pricing that works for your volume

We price on transactions processed, not arbitrary tiers. Whether you're processing 100 or 100,000 statements a month, we'll build a plan around your actual usage.

  • Full API access — all endpoints, all features
  • Dedicated onboarding and integration support
  • SLA-backed uptime and response time guarantees
  • Usage reviewed quarterly with your team
Book a demo

No commitment required. We'll respond within 24 hours.

Built on Google Cloud

All processing runs on Google Cloud Platform, giving you enterprise-grade reliability, auto-scaling infrastructure, and data residency you can depend on. Every page processed benefits from GCP's global network and security.

Developer-first

An API built for
real-world scale

RESTful, documented, and battle-tested. Integrate bank statement intelligence into any workflow: loan origination, KYC, accounting, or personal finance apps.

REST API
Clean endpoints, predictable responses
Webhooks
Event-driven, push on completion
JWT + API Keys
Flexible authentication options
Real-time
SignalR live processing updates
Read API docs
API Endpoints
POST /v1/statements Upload statement
GET /v1/statements/:id Get details
GET /v1/statements/:id/analysis Full analysis
GET /v1/statements/:id/fraud Fraud assessment
GET /v1/statements/:id/export Export data
POST /v1/data-requests Request consent
POST /v1/webhooks Register webhook
GET /v1/usage Usage stats
Start today, no credit card required

Ready to automate
financial decisions?

Join lenders, fintechs, and individuals who trust FLVXtract to extract financial truth from bank statements.