This feature only works on a laptop or desktop. The screen needs to be at least 1100 pixels wide. On a phone you’ll see a “use a larger screen” message.
The home screen
When you tap BL Analyser, you see two side-by-side panels:- Left panel — Saved Reports: every PDF your team has analysed before. Each entry shows the account holder name and the date it was uploaded.
- Right panel — Report Details: starts empty. When you tap a saved report, this is where the analysis appears.
How to upload a new statement
Wait for analysis
A spinner appears with elapsed seconds. Usually 30–90 seconds depending on statement size.
How to read the analysis (3 tabs)
The right panel has three tabs: Lead Summary, DSA Matrix, Transactions.Tab 1: Lead Summary
This is the executive overview. You’ll spend most of your time here. Account & Statement card- Account holder name, bank, account type, account number, IFSC.
- Statement period — what dates the statement covers.
- Days since the last transaction.
- A freshness badge:
- 🟢 Fresh — recent, lenders are happy
- 🟠 Acceptable — okayish
- 🔴 Stale or Very Stale — too old, lenders get nervous
- Total credits and debits over the statement period.
- Average monthly inflow, outflow, and surplus.
- Opening and closing balances.
- Total / 3-month / 6-month turnover, both with and without “deposits” (so you can see real business activity vs. one-off transfers).
- Bounce counts for the last 3 months, 6 months, and 12 months. Red badges if there are any.
- Warnings — red badges for problems found in the statement. Says “None” in green if the statement is clean.
- Declining items — orange badges for trends that are getting worse over time.
Tab 2: DSA Matrix
DSA stands for Data Sufficiency Assessment — basically, “did the AI find enough information to make a confident decision?” Top of the tab:- Pass / Fail / Warn / Info badge counts.
- A green “ALL CLEAR / PASSED” banner if everything’s good, or a red banner with the first issue if not.
| Column | What it means |
|---|---|
| # | Check number |
| Metric | What was checked (e.g., “Average monthly surplus”) |
| Value | The result |
| Priority | 🔴 Critical, 🟠 High, 🟡 Medium, 🔵 Low/Observe |
| Signal | 🟢 Pass, 🔴 Fail, 🟡 Warn, 🔵 Info |
| Note | A short explanation |
Tab 3: Transactions
Every transaction in the statement, in a scrollable table.| Column | What |
|---|---|
| Date | When the transaction happened |
| Description | What the transaction was for |
| Debit (red) | Money going out |
| Credit (green) | Money coming in |
| Balance | Account balance after that transaction |
Common workflows
Quick credit decision
Underwriter deep-dive
Audit a specific transaction
Download a saved report
Common things people ask
My PDF won't upload.
My PDF won't upload.
Three things to check: (1) Is it really a PDF? (2) Is it password-protected? Try entering the password when prompted. (3) Is your internet on?
The statement says 'Stale' — is that bad?
The statement says 'Stale' — is that bad?
Yes. Most lenders want statements no older than 30–60 days. Ask the customer for a fresh one.
There's one bounce in 12 months — is that a deal-breaker?
There's one bounce in 12 months — is that a deal-breaker?
Depends on your team’s policy. Ask your manager. The app flags it so you don’t miss it; the call is yours.
The Transactions tab takes forever to load.
The Transactions tab takes forever to load.
Only the first 50 rows load. Click ‘Load More’ for additional pages.
What's a 'declining item'?
What's a 'declining item'?
Something that used to be high and is going down — like monthly turnover dropping over the last 6 months. Could mean the business is shrinking.