Bank statements, read like an underwriter.
the answer, not a transaction list
Hand-reading a client’s statements takes 45 minutes a case. StateMint reads income consistency, committed credit and the red flags underwriters check first, and hands you a lender-ready summary in under two.
From £12 an analysis · first three free · processed in memory, never stored
Affordability summary
REF SM-2607-114 · 3 months · BarclaysIn plain English: income is stable and verified. Committed credit sits at 17% of gross. The gambling activity is modest and confined to one month, but it will be visible to the lender, so raise it with the client before submission rather than after.
It reads in the order a lender decides.
Not a transaction list with categories. An assessment, step by step, the way an underwriter actually works a file.
Bounced payments, gambling, payday loans, buy-now-pay-later, sustained overdrafts. Found, dated, totalled and weighted, so nothing surprises you at submission.
Salary, variable pay and irregular credits separated and tested month against month. A lender wants to know the £4,300 arrives every month, not that it arrived once.
Every standing commitment identified and subtracted, ending in the number the affordability decision actually turns on, with the working shown underneath it.
The rare miscategorisation takes one click to fix, and the same mistake never recurs, for you or any other broker on the platform.
LEARNS FROM EVERY CORRECTIONThe rate card.
Your first three analyses are free, no card required. After that, pay per statement or pick an allowance. Above your allowance, £10 an analysis. Cancel whenever you like.
A 45-minute read at £50 an hour costs £37.50 in your time. Every tier is priced under the manual alternative.
The statement never touches a disk.
Your client’s data is the most sensitive thing you handle. StateMint analyses statements in memory and keeps the report, never the statement. Nothing to breach, nothing to subject-access, nothing to explain.
Why this exists.
Built first for a UK finance broker with 50 years in the business.
I didn’t set out to build a statement tool. A broker who has been lending for fifty years asked us to fix one thing: his team was losing the best part of an hour to every statement, reading line by line for the things a lender would ask about. We built them an engine that reads the way their underwriters do.
StateMint is that same engine, priced so a two-person firm can run it. If you review statements for a living, upload one real case. The report will tell you more than this page can.
Asked before signing up.
Nowhere. It is analysed in memory and discarded in the same request. StateMint keeps the report you generate, never the statement itself.
PDF or CSV bank statements up to 25MB. Statements from any UK bank; Australia is next on the roadmap.
No. StateMint sits alongside whatever you already run. Upload a statement, take the report, carry on in your own systems.
Correct it in one click. The correction is remembered, so the same mistake never recurs, for you or anyone else on the platform.
Nothing. Your first three analyses are free and no card is required. After that it is £12 an analysis, or from £99 a month.
Aspiro AI Ltd, a UK company. The analysis engine was built first for a UK finance broker with 50 years in the business.
Your first statement takes two minutes.
Upload one real case and judge the report yourself.
Three analyses free · no card required