Bank statement analysis for SME loans, done in minutes.
Upload a client's bank statements. BankLens reads every transaction, checks the statements haven't been edited, and works out DSCR, FCC, DSR and LCR the way Malaysian banks do.
No card needed for the trial.
| 02/07 | DuitNow from client | 25,000.00 | 500,349.46 | ✓ |
| 02/07 | Transfer to supplier | -18,420.00 | 481,929.46 | ✓ |
| 05/07 | Own account transfer | 50,000.00 | 531,929.46 | ! |
| 09/07 | Card terminal settlement | 12,768.35 | 544,697.81 | ✓ |
| 15/07 | Returned cheque | -8,000.00 | 536,697.81 | ! |
| 31/07 | Closing balance agrees with the bank | 536,697.81 | ✓ |
What BankLens does for each case
The work you do by hand with a calculator and a highlighter, done the same way every time.
Reads the statements
PDF e-statements straight from online banking, or Excel and CSV. Several months and several banks in one case.
Checks they weren't edited
Every running balance, the bank's printed totals and each file's document details are checked, so altered figures stand out before the bank sees them.
Works out the bank ratios
DSCR on bank credits and on profit, FCC, and the banks' LCR worksheet with DSR, average balance and LCR, using industry income factors.
Flags what credit officers query
Own-account transfers, related-party credits, returned cheques, reversals, and large or round-figure deposits.
Prepares the file
A credit assessment report in PDF and a full Excel workbook, ready to send or print.
Keeps statements on your computer
Statements are read inside your browser. Your clients' statements are never uploaded to our servers.
How a case goes
Upload the statements
Drop in six months of e-statements. The company name, bank and account number are filled in for you.
Review what's flagged
Confirm or change the excluded credits, and see any statement that needs a second look.
Add commitments and print
Key in CCRIS and the proposed loan. DSCR, FCC, DSR and LCR update at once, and the report is one click away.
friendly
Your clients' statements stay with you
BankLens reads statements inside your own browser. We only keep your login and subscription details; the statements, figures and saved cases stay on your computer. You still need your client's consent to handle their data, just as you do today.
One plan, everything included
After your 7-day free trial. Cancel any time.
Start 7-day free trialPay monthly by card or online banking through Curlec.
- All supported banks and formats
- Unlimited cases and statements
- Statement verification checks
- DSCR, FCC, DSR and LCR worksheet
- PDF report and Excel export
- Sign in on two devices at a time
Questions
Which statements work?
PDF e-statements downloaded from online banking for the banks listed above, plus Excel and CSV exports. Scanned copies and photos aren't supported yet; ask your client for the original PDF.
Is my clients' data safe?
Statements are processed in your browser and are never sent to us. We store only your account details and subscription status. Saved cases stay on the device where you saved them.
Does it replace the bank's assessment?
No. It helps you prepare and screen a case before submission. The bank makes the final credit decision, and each bank may use its own factors and thresholds.
How do I pay and cancel?
After the trial, subscribe from your account page and pay monthly through Curlec by card or online banking. Cancel there at any time; access continues to the end of the month you paid for.
Can my team share one account?
Each subscription is for one person, signed in on up to two devices. Contact us for team pricing.