Getting Started

VeriBank.io is a bank statement analysis platform built for MCA brokers, ISOs, and funders. Upload PDF bank statements and receive instant underwriting reports with risk scores, cash flow breakdowns, stacking detection, and advance sizing recommendations.

Create Your Account

1. Visit veribank.io and click Start Free Trial.
2. Enter your name, company/ISO name, phone number, and work email.
3. Click Get My Free API Key — your key is delivered instantly.
4. Your free trial includes 7 days and 50 analyses with no credit card required.

Your API Key

Your API key (starting with vb_) authenticates every request. You can find it in the top-right corner of the app or under Settings.

• Keep it private. Your API key grants full access to your account. Never share it publicly or include it in client-facing materials.
• One key per account. If you need to rotate your key, contact support and we'll issue a new one.
• Key status is shown in the app header — a green Key Active badge means you're connected and ready to analyze.

Uploading Bank Statements

VeriBank accepts PDF bank statements — both text-layer PDFs (from online banking downloads) and scanned/OCR documents.

How to Upload

1. Click New Analysis from the sidebar or dashboard.
2. Enter the Business Name (required) and optional DBA.
3. Drag and drop your PDF files into the upload area, or click Browse Files to select them.
4. VeriBank begins analyzing automatically once files are uploaded.

Supported Banks

VeriBank has dedicated parsers and classifiers for the following banks. Statements from any other U.S. bank will be processed by our universal parser, which handles the vast majority of standard PDF statement formats.

Major Traditional Banks

• Chase (JPMorgan Chase)
• Wells Fargo
• Bank of America
• TD Bank
• Capital One
• PNC Bank
• US Bank (U.S. Bancorp)
• Truist Bank
• Regions Bank
• Citizens Bank
• Fifth Third Bank
• KeyBank
• Huntington National Bank
• Comerica Bank
• Synovus Bank
• Valley National Bank
• Wintrust Bank
• Pinnacle Bank
• Texas Capital Bank
• Prosperity Bank
• International Bank of Commerce (IBC)
• Popular Bank / Banco Popular
• South State Bank
• Independent Bank
• Glacier Bank
• Live Oak Bank
• Axos Bank
• Western Alliance Bank
• Customers Bank
• Cross River Bank
• Evolve Bank & Trust
• Mountain America Credit Union (MACU)
• First Internet Bank

Fintech / Neobanks

• Rho (Under Technologies / Rho Technologies)
• Mercury
• Relay Financial
• Bluevine
• Grasshopper Bank
• Novo
• NorthOne
• Lili
• Oxygen
• Found
• Brex
• Kabbage / American Express Business Checking
• Nearside

If VeriBank can't parse a specific statement, the report will include a parser warning. Contact support@veribank.io with the PDF and we'll add support — typically within 1–2 business days.

Analysis Time

Most analyses complete in 15–60 seconds depending on the number of pages and transactions. Complex statements with many pages may take up to 5 minutes. You'll see a real-time progress indicator while the analysis runs.

Understanding Your Reports

Every VeriBank report contains six sections designed to give you a complete underwriting picture at a glance.

Section 1 — Underwriting Scorecard

The top-level snapshot of the merchant's financial health. Includes:

• Risk Score (0–100) — Overall risk assessment
• Avg Monthly Deposits — Average total deposits per month
• Avg Daily Balance — Average end-of-day balance across the statement period
• Total NSF / Overdrafts — Count of non-sufficient funds and overdraft events
• Negative Days — Number of days the account had a negative balance
• Deposit Trend — Whether deposits are growing, stable, or declining
• Suspected MCA Positions — Number of active MCA stacking indicators detected

Section 2 — Monthly Cash Flow Breakdown

A month-by-month table and chart showing total deposits, total debits, net cash flow, ending balance, NSF count, and negative days. Use this section to spot revenue trends and seasonal patterns.

Section 3 — MCA Stacking Detection

VeriBank scans every transaction for recurring ACH debits that match known MCA payment patterns. If stacking is detected, each suspected position is listed with the lender name, payment amount, frequency, and confidence level.

A green CLEAN badge means no stacking was detected. A red STACKING badge lists each identified position.

Section 4 — Deposit Pattern Analysis

Analyzes the consistency and quality of the merchant's revenue. Flags include:

• Deposit Frequency — How regularly deposits arrive
• Source Consistency — Whether deposits come from consistent business sources
• Round-Number Deposits — Detects suspiciously round deposit amounts that may indicate manufactured deposits
• Largest Single Deposit — Flags unusually large one-time deposits
• Payroll Detected — Confirms active business operations via payroll outflows

Section 5 — Advance Sizing Recommendation

Three funding scenarios based on the merchant's cash flow:

Scenario	% of Avg Monthly Deposits	When to Use
Conservative (10%)	10%	High NSF count or declining revenue — minimize risk
Moderate (15%)	15%	Stable accounts with moderate risk signals
Aggressive (20%)	20%	Strong accounts only — low risk, growing deposits

Each scenario shows the supportable monthly payment and supportable daily ACH amount. The recommended max advance, factor rate, and term are calculated based on the overall risk profile.

Section 6 — Analyst Notes & Disclaimer

An auto-generated executive summary in plain English, plus the legal disclaimer. Each report also includes a unique DocID (e.g., BFF-20260330-I65385) for tracking and reference.

Risk Score Guide

The VeriBank Risk Score ranges from 0 to 100 and reflects the overall credit risk of funding the merchant. A lower score indicates higher risk.

Score Range	Risk Tier	Meaning
75–100	LOW RISK	Strong cash flow, minimal NSFs, no stacking. Likely a good funding candidate.
40–74	MODERATE	Some risk signals present. May require additional verification or tighter terms.
0–39	HIGH RISK	Significant risk factors — high NSFs, negative days, stacking, or declining revenue.

What Affects the Score?

The risk score is calculated from multiple weighted factors:

• NSF / Overdraft frequency — More NSFs = lower score
• Negative balance days — Days below zero hurt the score significantly
• Deposit trend — Declining deposits reduce the score
• Average daily balance — Very low balances indicate cash flow stress
• MCA stacking — Each active position lowers the score
• Deposit consistency — Irregular or round-number deposits flag risk

MCA Stacking Detection

Stacking — when a merchant has multiple active MCA positions simultaneously — is one of the highest risk factors in MCA underwriting. VeriBank identifies stacking by analyzing ACH debit patterns for:

• Recurring fixed-amount ACH debits on daily or weekly cycles
• Known MCA funder names in transaction descriptions
• Payment frequency and amount patterns consistent with MCA debt service

Advance Sizing

VeriBank calculates advance sizing based on average monthly deposits, risk score, and existing MCA obligations. The three scenarios (Conservative, Moderate, Aggressive) let you choose the right offer based on your own risk appetite.

Conditions for Funding

When risk signals are present, VeriBank may list conditions such as:

• Require bank login or 3rd-party verification to confirm statement authenticity
• Require merchant-provided payoff letters for active MCA positions
• Consider shorter term or lower factor rate
• Request additional months of statements

PDF Export

Every report can be exported as a branded PDF for your records or to share with funders.

1. Open the report you want to export.
2. Click the Export PDF button in the top-right corner.
3. The PDF downloads instantly with your VeriBank.io branding, DocID, and confidentiality footer.

Exported PDFs include all six report sections and are formatted for professional presentation. Each PDF contains a unique DocID and timestamp for audit trail purposes.

Plans & Billing

VeriBank.io offers three subscription tiers:

Plan	Price	Analyses / Month	Best For
Starter	$149/mo	100	Solo brokers getting started
Growth	$349/mo	500	Growing ISOs with steady deal flow
Enterprise	$799/mo	Unlimited	High-volume shops and direct funders

All plans include full report access, PDF export, stacking detection, and advance sizing. Upgrade or downgrade anytime from Settings → Billing in the app.

Usage Limits

Your current usage is displayed in the app header (e.g., "6/50 analyses"). Each PDF upload counts as one analysis regardless of page count. When you reach your monthly limit, you'll need to upgrade your plan or wait for the next billing cycle.

Free Trial

Every new account starts with a 7-day free trial that includes 50 analyses. No credit card is required. When your trial ends, choose a plan to continue using VeriBank.

Team Access

The Team tab lets you manage who has access to your VeriBank account. You can invite team members by email to collaborate on analyses and share reports within your organization.

Integrations & Recipes

VeriBank.io includes a built-in automation layer called Recipes — set them up once and they fire automatically every time an analysis completes. Access them at veribank.io/integrations.

Signing In to Integrations

If you're already logged into VeriBank, the Integrations page detects your session automatically — no API key entry required. If you're not logged in, use your VeriBank email and password on the Integrations page directly.

Analysis → Webhook

POST a full JSON payload to any URL the moment an analysis completes. Works with Zapier, Make, Pipedream, Slack, HubSpot, or any custom endpoint. Optionally include the full transaction list and sign payloads with HMAC-SHA256 for verification. Use the built-in Send Test button to verify your endpoint before going live.

Connecting Your Google Account

Three recipes require a connected Google account: Drive Drop, Drive Save, and Gmail. Click Sign in with Google on the Integrations page and complete the OAuth consent screen. VeriBank requests the minimum permissions needed: Drive file access, Drive read-only (for folder watching), and Gmail read/modify. You can disconnect at any time — this immediately revokes VeriBank's access.

Drive Drop → Auto-Analyze

Connect a Google Drive folder. Any PDF bank statement you drop in is automatically picked up within 5 minutes and run through the full analysis pipeline. Reports appear in your VeriBank dashboard just like a manual upload.

• One-touch setup: Click Create Folder & Activate — VeriBank creates a "VeriBank — Bank Statements" folder in your Drive and activates the recipe automatically.
• Existing folder: Paste any Google Drive folder URL and click Use This Folder.
• Poll interval: Every 5 minutes. Files are never re-processed — each PDF is analyzed exactly once.
• Business name: Inferred from the filename. Rename your PDFs before uploading for cleaner reports (e.g. Acme Corp LLC - Jan 2026.pdf).

Gmail → Auto-Analyze

Watch a Gmail label for unread emails containing PDF bank statement attachments. VeriBank checks the label periodically, downloads the attachment, runs analysis, and marks the message as read. Create a Gmail label (e.g. VeriBank), then enter it in the recipe config. Forward or drag statements to that label — analysis happens automatically.

Analysis → Save to Drive

Every completed report PDF is automatically saved to a Google Drive folder you specify. The file is named VeriBank_{BusinessName}_{Date}_{ReportID}.pdf. Pairs well with the Drive Drop recipe to create a fully hands-free loop: drop statement in → analyzed → report saved back to Drive.

Recipe FAQ

Will statements be re-analyzed if left in the Drive folder? No. The watcher tracks a timestamp and only processes files created after the last check. Files already seen are never re-run.

What if my Google token expires? VeriBank automatically refreshes your Google access token in the background. You should never need to reconnect unless you explicitly revoke access from your Google account settings.

Can I have multiple recipes active at once? Yes. All enabled recipes fire in parallel after every analysis — webhook, Drive Save, and others all run independently.

Frequently Asked Questions

What file formats does VeriBank accept?

VeriBank accepts PDF files only. Both text-layer PDFs (downloaded from online banking) and scanned/OCR PDFs are supported. We do not currently accept CSV, Excel, or image files.

How accurate is the stacking detection?

VeriBank uses pattern matching on ACH debit frequency, amount, and description to identify likely MCA positions. High-confidence matches are very reliable. However, stacking detection is not a substitute for merchant-provided payoff letters — always verify before making final funding decisions.

Can I analyze statements from any bank?

Yes. VeriBank has dedicated parsers for 48 banks including all major traditional banks and leading fintech/neobanks (Rho, Mercury, Relay, Bluevine, Novo, and more). Any bank not on that list falls through to our universal parser, which handles most standard PDF formats. If a statement doesn't parse correctly, email support@veribank.io with the PDF and we'll add support within 1–2 business days.

Is my data secure?

Yes. All uploads are encrypted in transit (TLS/SSL) and at rest. Bank statements are processed for analysis and are not shared with any third parties. See our Privacy Policy for full details.

How is the risk score calculated?

The risk score (0–100) is computed from multiple weighted factors including NSF frequency, negative balance days, deposit trends, daily balance averages, stacking indicators, and deposit consistency. See the Risk Score Guide above for details.

Can I customize the report branding?

Currently, reports use standard VeriBank.io branding. Custom white-label branding is on our roadmap for a future release. Contact us if this is a priority for your business.

What happens when my trial ends?

When your 7-day trial expires, you'll see an upgrade prompt in the app. Your existing reports remain accessible. To run new analyses, choose a paid plan from Settings → Billing.

Can I cancel my subscription anytime?

Yes. You can cancel from Settings → Billing at any time. Your access continues through the end of your current billing period.

Troubleshooting

"API Offline" or connection errors

If you see a red "API Offline" indicator in the app header, try refreshing the page. If the issue persists, check veribank.io/health — if it returns {"status":"ok"}, the API is running and the issue may be browser-related. Clear your cache and try again.

Upload stuck or taking too long

Large PDFs (20+ pages) or scanned documents may take up to 5 minutes. If an analysis is stuck beyond that, try uploading the file again. If the problem repeats, the PDF may be corrupted or in an unsupported format — contact support with the file attached.

"Parser warnings" in my report

Parser warnings (shown in yellow at the bottom of a report) are informational. Common warnings include: only 1 month of data found (upload more months for better results), or certain transactions couldn't be categorized. The report is still valid — warnings just flag areas where additional data would improve accuracy.

Report shows "Unknown Business" or "Unknown Bank"

This means VeriBank couldn't extract the business name or bank name from the PDF. Make sure you enter the Business Name in the upload form before submitting. Bank name is extracted automatically from the statement — if it shows as unknown, the bank format may not be fully supported yet.

Contact Support

Need help? We're here for you.

• Email: support@bffsoftware.com
• In-app: Click the Report a Bug button in the bottom-right corner of any page

We typically respond within one business day.