Live NowConnect your own Plaid API key and get full bank verification at 2 credits per month — no waiting Live NowBring your own iSoftpull or Soft Pull Solutions API key — get real FICO scores + bank data in one AI decision Coming SoonZeneth-hosted Plaid — send your client a verification link, they connect their bank, no PDF needed Live NowThree analysis options in one platform — PDF upload, Plaid bank link, or full Plaid + credit verification Coming SoonThe most complete AI underwriting decision available — Zeneth-hosted bank data + credit score in one click
AI-Powered Business Financing Intelligence

Stop Saying "I'll Check With Underwriting"
Close the Deal Right Now

AI tool that analyzes bank statements and gives real financing estimates across MCA, Equipment, SBA, Term Loans, and more — in 60 seconds.

When your client asks "How much can I get?" your rep should have an answer instantly — not after calling underwriting.

No credit card required
60s
analysis time
100+
lenders matched
$1
per month analyzed
$0
setup fee ever
How It Works
From bank statement to funding answer in 4 steps
1
Upload Bank Statements
Drag and drop 3–12 months of PDF bank statements. The AI reads every transaction on every page.
2
AI Analyzes in 60 Seconds
Extracts monthly revenue, fixed obligations, NSFs, advance payments, and net available cash automatically — across all financing product types.
3
See Funding Estimate + Lender Matches
Get approval status, estimated funding amount, factor rate guidance, and which lenders will fund — with match scores.
4
Close the Deal on the Spot
Answer your client's question in the meeting. No callbacks. No "let me check with underwriting."
Internal · Sales Rep Analysis
✓ APPROVED
Coastal Kitchen Group LLC
Restaurant · Miami, FL · 4 months analyzed
Gross Revenue/Mo
$82,450
avg last 4 months
Advance Obligations/Mo
$18,200
2 active positions
Net Available Cash
$58,720
after all obligations
NSFs / Neg Days
0 / 1
low risk profile
Estimated Approval Range
$45,000 – $75,000
Factor rate 1.28 · Score 74/100
Matched Lenders (8 of 30)
BizFund Rowan Advance CFG Merchant Mayfair +4 more
Internal Use Only · AI-generated estimate
Score: 74/100
Before vs After
Your reps are losing deals right now
❌ The Old Way
Rep Goes Blank. Client Goes Cold.
Client asks "how much can I get?" — rep has no answer
"Let me send this to underwriting and get back to you"
Client calls another broker who has answers on the spot
Hours spent manually reviewing bank statements
Wasted submissions to lenders who won't approve
Deal lost. Commission lost. Client gone.
✓ With Zeneth UW Suite
Answer in 60 Seconds. Deal Closed.
Upload bank statements — AI analyzes in 60 seconds
Instant funding estimate with range and factor rate
See exactly which lenders will approve and for how much
Advance stacking and NSF risk detected automatically
Only submit to lenders that actually match the file
Rep closes the deal in the meeting. Right now.
Everything Included
The complete business financing intelligence platform
Built for brokers, ISO shops, and funding companies. Every feature below is included from day one — no add-ons, no upsells.
📊
AI Bank Statement Analysis
Upload 3–12 months of PDFs. AI extracts monthly revenue, obligations, NSFs, negative days, and net available cash in 60 seconds.
🏦
Smart Lender Matching Engine
Instantly matched against 30 real lenders with STRONG / LIKELY / POSSIBLE scores. See estimated offer, factor rate, and exact decline reasons per lender.
Custom Lender Upload
Add your own lenders one-by-one or bulk import via CSV. Your custom lenders are matched alongside the built-in database in every analysis.
⚠️
Stacking & Risk Detection
Detects active daily ACH debits, reverse patterns, and advance stacking risk across all financing types. Know before you submit — not after a decline.
🏢
Company & Team Accounts
Register your company, buy credits into a shared pool, and invite your entire team by email. Each rep gets their own allocated credits and access.
💳
Pay-Per-Analysis Credits
1 credit = 1 month of statements analyzed. Start with 5 free credits. Buy more in packages from $10. Credits never expire.
🤖
Zeneth AI Support Chat
Built-in AI assistant answers platform questions instantly. Can't answer? Automatically escalates to the Zeneth team with your contact info.
🔒
Zero Data Retention
Bank statements are never stored. Processed in real-time memory only — permanently discarded after analysis. Your clients' data stays private.
📋
Full Underwriting Portal
Built for reps and underwriting teams. Run full bank statement analysis, review payment patterns, detect stacking risk, and get a complete lender matrix — all in one portal with a single login.
📈
Recurring Payment Detection
Automatically detects daily, weekly, and monthly obligations — Affirm, credit cards, SBA loans, rent, payroll, utilities. Calculates net available cash after all obligations.
📑
PDF Report Download
Print or save any analysis as a PDF with one click. Clean print layout hides UI chrome — just the report. Auto-named with business name and date.
Google Sign-In supported
No setup fee ever
Credits never expire
Bank statements never stored
Cancel anytime
Enterprise-grade AI engine
Inside the Platform
Three Ways to Analyze a Deal
This is what your reps see when they log in. Start with PDF upload today. Connect your own Plaid and credit API keys to unlock the full verification options instantly.
zeneth-uw.com/dashboard
🔒 SECURE
Z
Zeneth UW
⬡ 65 credits
Home
🏦 Lenders
⚙ Account
Good afternoon, Alex
Zeneth Underwriting Suite
AVAILABLE CREDITS
65
1 credit = 1 month analyzed
TOTAL
24
APPROVED
14
CONDITIONAL
7
DECLINED
3
📊
Standard Analysis
PDF Upload Portal
Upload bank statement PDFs. Full AI breakdown in 60 seconds.
⬡ 1 credit per month
Open Portal →
🏦
Plaid Verification
YOUR KEY
Plaid Verification Portal
Live bank data via your Plaid account. No PDF upload needed.
⬡ 1 credit/mo (your key)
Manage / Open →
Full Verification
KEYS CONNECTED
Full Verification Portal
Plaid bank data + real FICO score + tradelines. Most accurate decision possible.
⬡ 3 credits/mo (your keys)
Manage / Open →
This is a preview of your dashboard after login. Sign up free to access →
📊
Start Today
Upload PDFs and get full AI underwriting instantly. No setup required. 5 free analyses on signup.
🏦
Bring Your Plaid Key
Already have a Plaid account? Paste your API key in settings and unlock live bank verification at 2 credits per month.
Add Credit API Key
Have iSoftpull or Soft Pull Solutions? Add your key alongside Plaid for the most complete underwriting decision available anywhere.
Live Demo
See Exactly What Your Reps Get
This is a real sample report. Upload 3 bank statements and your rep gets this full breakdown in 60 seconds.
uw.zenethpro.com
🔒 SECURE
Z
Zeneth UW
⬡ ∞ credits
Home
Admin
Lead Info
Upload
03
Report
Internal · Sales Rep Portal
Deep Underwriting Analysis
Payment pattern detection, stacking risk, net available cash, and factor rate guidance — covering MCA, Equipment Financing, SBA, Term Loans, and more.
APPROVED
Recommended for Funding
Sunrise Restaurant Group demonstrates strong cash flow with $64,820 average monthly revenue, 1 NSF, and a net available cash position of $48,347 after all fixed daily, weekly, and monthly obligations.
Recommended Funding Amount
$48,300
Range: $28,980 – $67,620 · Net cash: $48,347/mo
Underwriting Score
71
Gross Revenue/Mo
$64,820
Total Obligations/Mo
$13,003
Net Available Cash
$48,347
NSF / Overdrafts
1
Stacking Risk
LOW
Suggested Factor Rate
1.28
Recurring Payment Obligations Detected
Daily Payments
2
PayAnywhere POS
3/3 months
$148
daily
Loomis Cash Pickup
2/3 months
$62
daily
Monthly Total$4,620
Weekly Payments
3
Sysco Foods
3/3 months
$1,240
weekly
Clean Earth Linen
3/3 months
$318
weekly
Cintas Uniforms
2/3 months
$145
weekly
Monthly Total$7,339
Monthly Payments
4
OpenTable Pro
3/3 months
$449
monthly
Toast POS
3/3 months
$165
monthly
Heartland Payroll
3/3 months
$241
monthly
Monthly Total$855
Total Monthly Obligation Summary
Daily (×22)
$4,620
Weekly (×4.3)
$7,339
Monthly Fixed
$855
Total / Month
$12,814
Low Stacking Risk
No advance lender payment patterns detected. Daily debits are POS processing (PayAnywhere) and cash logistics (Loomis) — not advance repayments. No Yellowstone, Libertas, OnDeck, Kabbage, or other known advance lender debits identified.
Recommended Lenders — Based on This File
Kapitus
A-BSTRONG
$77,784 est. max
✓ Revenue 4x the $15K minimum
✓ NSFs within tolerance
✓ No stacking detected
Verify 1 year TIB
Forward Financing
B-CSTRONG
$93,422 est. max
✓ Revenue exceeds $10K minimum
✓ NSFs within 5 allowed
✓ No stacking — clean file
✓ 6 month TIB minimum
Alt. Funding Group
B-CLIKELY
$74,820 est. max
✓ Revenue 2x the $30K minimum
✓ Avg daily balance above $1,000
Verify 12 month TIB
Fora Financial
B-CLIKELY
$93,422 est. max
✓ Revenue far exceeds $12K minimum
✓ NSFs under 5 limit
Verify 6 month TIB
🔒 This is a demo report. Sign up free to analyze real bank statements.
No credit card · No setup fee · Instant access
Pricing
Three Ways to Analyze a Deal
Start with PDF upload today. Connect your own API keys to unlock higher accuracy instantly.
Live Now
Standard
PDF Analysis
Document-Based Analysis
Upload bank statement PDFs. AI extracts revenue, obligations, NSFs, stacking risk, and matches 100+ lenders. Results are only as accurate as the documents uploaded — subject to PDF quality and completeness.
Full AI underwriting report in 60 seconds
Revenue, obligations, NSFs, net cash
100+ lender matching with match scores
Stacking risk detection
No setup required
CREDIT PACKS
$10
10 credits
Popular
$50
65 credits
$250
300 credits
1 credit = 1 month of statements analyzed
No credit card required
Own Key — Live
Zeneth Plaid — Soon
Bank Verification
Plaid Analysis
Bank-Verified Analysis
Live bank data pulled directly from the financial institution via Plaid. Eliminates PDF fraud risk and manual errors entirely. No missing pages, no doctored statements, no guesswork.
Everything in Standard plan
Live bank data — no PDF upload needed
24 months of verified transactions
Zero document fraud risk
Bank-verified identity
PRICING PER MONTH OF STATEMENTS
Your Own Plaid Key
Live now — paste key in settings
2 cr/mo
Use Zeneth Plaid
Coming soon — no setup needed
4 cr/mo
Live Now — BYOK
Full Verification
Plaid + Credit Pull
Underwriter-Grade Decision
The closest thing to a seasoned underwriter in your pocket. Live bank data from Plaid combined with a real soft credit pull. The exact two data sources every experienced underwriter relies on — delivered in seconds, not hours.
Everything in Plaid Analysis plan
Real FICO score via your soft pull provider
Full tradeline history analyzed by AI
Works with iSoftpull, Soft Pull Solutions, and more
Requires your own Plaid + credit API keys
PRICING PER MONTH OF STATEMENTS
Your Plaid + Credit API Key
You pay your providers directly per pull
3 cr/mo
Need a credit provider? iSoftpull · Soft Pull Solutions
No monthly fee — ever
Credits never expire
Zero setup fee
Enterprise · Custom Build
We'll build it around your lenders.
Already have relationships with specific funders? We can configure the entire platform around your exact lender network — with their real criteria, your branding, and your team's workflow built in from day one.
Your lender database loaded in — we import your relationships, criteria, and rates directly. No manual entry.
Custom branded experience — your logo, your colors, your domain. Clients see your brand, not ours.
Team onboarding included — we set up your reps, configure credit allocations, and walk your team through the platform.
Ongoing updates — as lenders update their criteria or you add new funders, we update your platform.
Fill the form → We call you within 1 business day
Request a Custom Build
We'll review your lender network and set up a call.
Deep Dives

Learn more about how it works

Detailed guides covering the underwriting technology, the broker workflow, and how Zeneth compares to alternatives.
📊
MCA Underwriting Software
The full guide to AI-powered MCA underwriting. Revenue analysis, stacking detection, factor rate guidance, and lender matching, all explained.
Read Guide →
🏦
Bank Statement Analysis
How AI parses 12 months of bank statements in 60 seconds. Accuracy comparisons, sample reports, and the technology behind zero data retention.
See How It Works →
💼
MCA Broker Software
Built for independent brokers and small ISOs, not enterprise funders. The full broker workflow, ROI math, and a comparison to alternatives.
Built for Brokers →
Stop losing deals because your reps do not have answers.
Give them underwriting power in real time.
✓ No credit card  ·  ✓ No monthly fee  ·  ✓ 5 free credits instantly
MCA Underwriting Software Bank Statement Analysis MCA Broker Software Privacy Terms Zeneth Pro
⚠ AI DISCLAIMER: All analysis outputs are AI-generated for preliminary screening purposes only and do not constitute a formal underwriting decision, lending commitment, or guarantee of funding. All results must be verified by a qualified professional. Zeneth Pro LLC disclaims all liability.
© 2026 Zeneth Pro LLC · Zeneth Underwriting Suite · contact@zenethpro.com
Z
Zeneth UW Suite
SECURE BANK VERIFICATION
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Secured by Plaid · Zeneth Pro LLC · Bank statements are never stored

A 6-digit verification code will be sent to this number. Standard SMS rates apply.

Welcome back
Zeneth Underwriting Suite
Available Credits
1 credit = 1 month of statements · Buy credits →
Total Analyses
0
Approved
0
Conditional
0
Declined
0
📊
Standard Analysis
PDF Upload Portal

Upload bank statements (3–12 months). AI extracts revenue, obligations, NSFs, stacking risk, factor rate, and matches 100+ lenders in 60 seconds. No account needed from your client.

⬡ 1 credit per month of statements
Open Portal →
🏦
Plaid Bank Verification COMING SOON
Plaid Verification Portal

Send your client a secure link. They connect their bank through Plaid — no PDF upload needed. You get live bank data, 24 months of transactions, and full AI underwriting instantly.

PRICING
Own Plaid key: 2 credits/month  ·  Use Zeneth Plaid: 4 credits/month (coming soon)
No Plaid key connected — click to add yours or use Zeneth Plaid when available
Manage / Open →
Full Verification SETUP REQUIRED
Full Verification Portal

Underwriter-grade decision. Live bank data from Plaid combined with a real soft credit pull. The exact two data sources every experienced underwriter relies on, delivered in seconds.

PRICING
Own Plaid + Credit API key: 3 credits/month  ·  You absorb your provider's per-pull cost
Add your Plaid key + credit API key to activate
Manage / Open →
Recent Analyses
No analyses yet. Run your first analysis above.
Credit Packages

One credit = one month of bank statements analyzed. Upload 3 months = 3 credits. Credits never expire.

✓ Every new account receives 5 free credits on signup — no credit card, no setup fee required.

Payments are processed securely via Stripe. Credits are added manually within 1 business hour after payment confirmation.

Include your account email in the payment note so we can identify your account.

Pre-Qualification

Pre-Qualification Portal

Upload 3 months of bank statements for an instant AI analysis. All fields are optional — only the PDFs are required.

01
Business
02
Owner
03
Upload
04
Results
Business Information
Owner Information
Soft check only · no credit impact
Bank Statement Upload
Encrypted
AI-analyzed
Never stored
⬡ Uses 1 credit

Upload your 3 most recent complete months of business bank statements. PDF only · all pages required. Max 6 MB total per upload.

📄
Most Recent
Drag or click
📄
2 Months Ago
Drag or click
📄
3 Months Ago
Drag or click
📅
Month-to-Date Statement Optional
Current Partial Month
AI will project current month revenue alongside the 3 full months
Please upload all three bank statement PDFs.
Analyzing Statements

Reading every transaction, removing personal deposits, calculating qualifying revenue.

Reading bank statements
Extracting deposit transactions
Filtering non-business income
Calculating net business revenue
Scanning for NSFs and overdrafts
Computing qualification score
Calculating funding estimate
Saving results

Estimated Funding Qualification
Pre-Qualification Score0
Gross Deposits/Mo
Net Business Revenue
Excluded (Non-Biz)
NSF / Overdrafts
Avg Deposits/Mo
Cash Flow Health
Monthly Breakdown — Business Income Only
MonthGross DepositsNon-Business RemovedNet Revenue
Non-Business Income Excluded
AI Underwriter Analysis

Next Steps
Disclosure: This pre-qualification is an AI estimate. It does not constitute a guarantee of funding. Final approval subject to full underwriting review.
Internal · Sales Rep Portal

Deep Underwriting Analysis

Payment pattern detection, stacking risk, net available cash, and factor rate guidance — covering MCA, Equipment Financing, SBA, Term Loans, and more.

01
Lead Info
02
Upload
03
Report
Lead Information
Bank Statement Upload
Internal only
Full pattern detection
Fake detection enabled

Upload all bank statements at once, one account or multiple. The system reads the last 4 digits on each statement and groups them automatically.

📂
Drag & Drop All Statements Here
Statements from the same account will be grouped automatically
Max 6 MB total per upload
⚡ 1 credit per month analyzed · Fake statement detection runs automatically on every upload
Please upload at least 3 months of bank statements.
Deep Underwriting Analysis

Preparing your analysis...

Initializing...
0%
⚡ Warming up the AI underwriter...
📋 Each phase runs a complete deep scan — results are automatically combined into one final report with zero data loss.
Bank Statement Analysis Only
This analysis is based exclusively on the bank statements provided. It does not include credit report data, which may present a significantly different picture of the applicant's financial profile. Always obtain a full credit report before making any final funding decisions.

Recommended Funding Amount
Underwriting Score0
Gross Revenue/Mo
Net Business Revenue
Total Obligations/Mo
Net Available Cash
NSF / Overdrafts
Suggested Factor Rate
Monthly Breakdown
MonthGross DepositsNon-Biz RemovedNet RevenueNSFs
Recurring Payment Obligations Detected
Daily/Weekly/Monthly tabs show loans, mortgages & advances only — latest month active payments only
Daily Payments0
Latest Month Total
Weekly Payments0
Latest Month Total
Monthly Payments0
Latest Month Total
💳 Credit Card Payments 0
Reference only — not counted in obligations
Variable — Not Counted in Obligations
📋 Other Expenses 0
Subscriptions, utilities, HOA, misc recurring
Latest Month Total
Total Monthly Obligation Summary
Daily (×22)
Weekly (×4.3)
Monthly Fixed
Total / Month
Credit Card Payments DetectedReference only — not counted in obligations
Non-Recurring TransactionsOne-time or sporadic — not counted in obligations
Non-Business Income Excluded
AI Underwriter Report

Factor Rate & Pricing Guidance
Internal Use Only: AI analysis for rep use. Verify all patterns before funding. Factor rates are starting guidance only. Lender matches are estimates based on published criteria — always verify current requirements directly with each lender. This analysis is based solely on bank statement data and does not include credit report information, which may reflect a materially different financial picture.
Admin Portal
Full platform control
Total Users
Total Analyses
Credits in Circulation
Analyses Today
All Users
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Company Accounts
No companies yet. Click "+ Create Company" above.
Recent Analyses (All Users)
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💬 Chat Inbox
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API Configuration
Stripe Payment Links

Create Payment Links in your Stripe dashboard, then paste the URLs below. Each link will automatically include the user's ID so you can identify who paid.

Platform Settings
🏢 Company Portal
Manage your team, credits, and usage
Company Credits
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Team Members
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Total Analyses
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Credits Distributed
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Team Members
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Credits purchased go into your company pool. You distribute them to your team from the Team tab.
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Platform Assistant · Always here to help
🏢 Company Portal
Manage your team, credits, and usage
Company Credits
0
Available in pool
Team Members
0
Total Analyses
0
Credits Distributed
0
Team Members
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Credits purchased go into your company pool. You distribute them to your team from the Team tab.
📡 Visitor Intelligence
Real-time tracking · All visitors including non-registered
LIVE
Today's Visitors
This Week
Registered Users
Anonymous
Recent Visitors
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Registered Users — Last Active
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Top Locations
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🏦 Lender Intelligence Suite
30 lenders · Real underwriting criteria · Instant deal matching
Deal Profile
Filter Results
Enter a deal profile on the left to see lender matches
LENDER TIER MIN REV MIN FICO MIN TIB MAX FUND FACTOR MAX TERM MAX POS MAX NSF PRODUCT
OPTION 1
Single Lender Input
Manually enter one lender's criteria. The system will automatically include this lender in all future analyses.
OPTION 2
Bulk Upload (CSV)
Upload multiple lenders at once using our CSV template. Download the template below to see the required format.
My Custom Lenders
No custom lenders yet. Add one above.
Account Settings
Change Password
Profile Information
Email cannot be changed. Contact support if needed.
Account Summary
Available Credits
Total Analyses
Account Type
👥 Team Management
Your team workspace