> ## Documentation Index
> Fetch the complete documentation index at: https://docs.capinex.in/llms.txt
> Use this file to discover all available pages before exploring further.

# BL Analyser

> Upload a business bank statement PDF. Get an AI summary of cash flow, bounces, red flags, and lending recommendation.

BL Analyser stands for **Business Loan Analyser**. You upload a business's bank statement PDF and the app reads it for you — turnover, average monthly inflow and outflow, bounces, red flags, and a clear "is this safe to lend to?" recommendation.

It saves you from reading hundreds of transactions by hand.

<Note>
  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.
</Note>

## 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.

A button at the top right says **Upload Bank Statement**.

## How to upload a new statement

<Steps>
  <Step title="Tap 'Upload Bank Statement'">
    A dialog opens.
  </Step>

  <Step title="Tap 'Pick & Upload'">
    Pick a PDF from your computer. Only PDF works — no Word, Excel, or images.
  </Step>

  <Step title="Watch the progress bar">
    Shows the upload percentage.
  </Step>

  <Step title="If the PDF needs a password">
    A password field appears. Type it and continue.
  </Step>

  <Step title="Wait for analysis">
    A spinner appears with elapsed seconds. Usually 30–90 seconds depending on statement size.
  </Step>

  <Step title="Done">
    The new report shows up in the left panel and opens automatically on the right.
  </Step>
</Steps>

<Warning>
  Don't close the browser tab while it's analysing. You'll lose your spot and have to upload again.
</Warning>

## 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

**Financial Metrics card**

* Total credits and debits over the statement period.
* Average monthly inflow, outflow, and surplus.
* Opening and closing balances.

**Turnover table**

* Total / 3-month / 6-month turnover, both with and without "deposits" (so you can see real business activity vs. one-off transfers).

**Flags card**

* 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.

**The Checks table:**

| 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                                |

For underwriters, this is the most important tab. Scan for any **red Fail** signals in **Critical** or **High** priority — those are the must-fix issues.

### 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 |

Only the first 50 rows load to keep things fast. Tap **Load More** at the bottom for more. When you reach the end, you'll see "End of transactions."

## Common workflows

### Quick credit decision

<Steps>
  <Step title="Open the report">
    Click the customer's name in the left panel.
  </Step>

  <Step title="Stay on Lead Summary">
    Look at **Average Monthly Surplus** — positive is good.
  </Step>

  <Step title="Check Freshness">
    Green = recent, red = too old.
  </Step>

  <Step title="Check Flags">
    Any red warnings or bounce counts above zero? That's a no-go.
  </Step>
</Steps>

### Underwriter deep-dive

<Steps>
  <Step title="Click the DSA Matrix tab" />

  <Step title="Look at the recommendation banner">
    Green = approve, red = needs review.
  </Step>

  <Step title="Scan for red Fail signals on Critical/High priority rows" />

  <Step title="Read the Notes column">
    Each Note explains why that check failed.
  </Step>
</Steps>

### Audit a specific transaction

<Steps>
  <Step title="Click the Transactions tab" />

  <Step title="Scroll through dates and descriptions" />

  <Step title="Click 'Load More' if you need older entries" />
</Steps>

## Download a saved report

<Steps>
  <Step title="In the left panel, find the report" />

  <Step title="Tap the small download icon on its right">
    The original PDF downloads.
  </Step>
</Steps>

## Common things people ask

<AccordionGroup>
  <Accordion title="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?
  </Accordion>

  <Accordion title="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.
  </Accordion>

  <Accordion title="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.
  </Accordion>

  <Accordion title="The Transactions tab takes forever to load.">
    Only the first 50 rows load. Click 'Load More' for additional pages.
  </Accordion>

  <Accordion title="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.
  </Accordion>
</AccordionGroup>