Automated Underwriting
Transform raw bank statements into structured credit intelligence in under 2 minutes — eliminating manual review and delivering a ready-made Lending Opinion card.
Manual review kills lending velocity
Manual statement review takes hours per applicant, introduces human error, and slows loan decisioning. Credit analysts spend up to 40% of their time on data extraction alone — time that could be spent on judgment-based risk decisions.
AI underwriting in under 2 minutes
Upload raw PDFs and get structured income, obligation, and creditworthiness data in seconds. Santulan outputs a ready-made Lending Opinion card — structured, policy-aligned, and LOS-ready — without any manual intervention.
Key Capabilities
Every feature built specifically for lending teams who need speed and accuracy at scale.
PDF & Excel Ingestion
Parse any bank statement format — 300+ banks supported, password-protected PDFs handled automatically.
Income Stability Scoring
AI calculates consistent monthly credits, seasonal variations, and income trend over 12–24 months.
Obligation Detection
Auto-detect EMIs, loan repayments, recurring debits, and standing instructions from raw transactions.
Under 2 Minutes
Full underwriting output — income, obligations, creditworthiness — delivered in under 120 seconds.
Lending Opinion Card
Ready-made structured summary card aligned to NBFC/bank credit policy — paste directly into LOS.
Fraud Pre-screen
Circular trading and statement manipulation flags included in every underwriting report at no extra cost.
How It Works
Four steps from raw PDF to lending decision — fully automated.
Upload Statement
Submit raw PDF bank statements via API, portal, or bulk upload. Password-protected files are handled automatically.
AI Parsing & Classification
Santulan's engine classifies every transaction — salary credits, business income, EMIs, rent, utilities — with 99%+ accuracy.
Risk Computation
Income stability, obligation ratios, FOIR, cash balance trends, and seasonal patterns are computed in real time.
Lending Opinion Output
A structured, policy-aligned Lending Opinion card is generated — ready for your credit officer or LOS intake form.
Who Uses This
Replace manual statement review with instant AI underwriting — process 10× more applications with the same team.
Standardize credit decisioning across branches. Eliminate analyst-to-analyst variation in income assessment.
Pre-screen applications before submission. Reduce rejection rates and improve lender relationships.
Embed underwriting into your app via REST API. Get structured JSON back in seconds — no UI dependency.
Normalize borrower data across multiple origination sources for consistent risk scoring.
Underwrite first-time borrowers using cash flow analysis when no credit history exists.
Ready to automate underwriting?
Book a live demo and see a real bank statement processed end-to-end in under 2 minutes.
Book a Demo