Cevrynt
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Underwrite the SMB file without losing the story behind it.

Cevrynt brings borrower documents, bank activity, business verification, fraud signals, and your credit policy into one evidence-linked review — with exceptions left visible for your underwriters.

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Illustrative Cevrynt underwriting workspace showing business verification, cash-flow analysis, fraud review, and underwriting status
01

POLICY & EXCEPTIONS

Ten rules settle. Two need an underwriter.

Cevrynt applies your credit policy criterion by criterion. Clear checks resolve against the evidence; exceptions stay open with the observed value, threshold, source, and reason attached for human review.

10 / 12
policy checks resolved
02
exceptions routed for review
No
automatic decline from an exception alone
  1. 01Average monthly deposits$84.6K≥ $75KPass
  2. 02Average daily balance$31.2K≥ $20KPass
  3. 03NSF activity · 90 days6 events≤ 5ExceptionThe file exceeds policy by one event. Cevrynt keeps the underlying statement activity available so the reviewer can see when the events occurred and how recent cash flow compares with policy.Reviewer action required · exception remains open
  4. 04Existing repayment obligations$1,550 / dayWithin lender-defined limitPass
  5. 05Time in business14 months≥ 12 monthsPass
  6. 06Address consistency214 vs 210 Westlake DrApplication and verification records alignExceptionThe application lists 214 Westlake Dr while the verification source lists 210 Westlake Dr. Cevrynt keeps both values and their sources visible rather than silently selecting one.Reviewer action required · discrepancy remains open

What stays with every policy result

  1. Policy versionv3.4 retained
  2. Observed value + thresholdVisible
  3. Exception reasonRequired when outside policy
  4. Source evidenceLinked to the finding
  5. Reviewer actionRecorded when resolved

Six of the twelve policy checks are shown in this example. Routine passes stay compact; exceptions expand to show the observed value, applicable rule, supporting evidence, and reviewer action still required.

Cevrynt resolves the routine policy checks and keeps the exceptions explicit. Each exception stays attached to the observed value, lender-defined threshold, supporting evidence, and reviewer action still required. The engine does not make the credit decision — it applies the policy, surfaces what falls outside it, records what happens next, and keeps the policy version with the deal. Illustrative deal · synthetic borrower data.
02

BUSINESS VERIFICATION

Verify the business claim by claim — not with one green check.

Cevrynt compares what the borrower submitted with business verification sources. Fields that align can close; anything that conflicts stays visible with both values and its source for an underwriter to resolve.

04
business fields compared
01
review item still open

  1. Legal business name

    Match

    Cedar & Stone LLC

    Cedar & Stone LLC

    Business application · p.1

    Business verification source

  2. Entity status

    Match

    Active business

    Active · in good standing

    Business application · p.1

    State filing record

  3. Tax identifier

    Match

    **-***4821

    Ending 4821

    Business application · p.1

    Business identity source

  4. Business address

    Review

    214 Westlake Dr

    210 Westlake Dr

    Business application · p.1

    Business verification source

Three fields align across the application and verification sources. The business address does not. Cevrynt keeps both values and their sources visible, then leaves the discrepancy open for reviewer resolution instead of silently choosing one.

The Cevrynt verification screen for this borrower: the claims submitted on the application shown beside the independent business and officer records they were checked against, with legal entity, entity standing and tax identifier agreeing and the business address flagged for review over a street-number mismatch.
A mismatch is not a fraud finding and it is not a credit decision. Cevrynt shows exactly which business details align, which do not, and the source behind each one, then leaves unresolved differences open for reviewer judgment. Illustrative deal · synthetic verification data.
03

DOCUMENT INTELLIGENCE

Turn the borrower package into underwriting data — without losing the source.

Cevrynt classifies the submitted files, structures the fields your underwriting workflow needs, and keeps material values connected to the document, page, transaction, or verification result they came from.

143pages mapped to one deal

01structured underwriting record

  1. Monthly deposits · April$84,613Bank statement · p.84 · lines 21–31“Total deposits and credits · $84,613.42 · Statement period 04/01–04/30”
  2. Average daily balance · April$31,240Bank statement · p.84 · lines 32–39“Average daily balance · $31,240.19 · Lowest daily balance $18,904.42”
  3. Recurring repayment$1,550 / dayBank statement · p.46 · lines 41–46“Rapid Advance Funding · ACH debit · $1,550.00 · observed business-daily”
The Cevrynt extract view: a page of the borrower's original bank statement beside the underwriting fields read from it, with each structured value keeping the page and line range it came from and a trace panel showing the quoted source text.
Cevrynt turns the borrower package into structured underwriting data while keeping material findings connected to the original evidence behind them. An underwriter can move from the review back to the relevant document, page, and source lines instead of relying on a detached extracted value. Illustrative deal · synthetic borrower data.
04

CASH-FLOW CONTEXT

Six statements become one view of how the business actually moves.

Cevrynt normalizes the statement period into one continuous underwriting view, so deposits, liquidity, recurring obligations, and cash-flow stress can be read across time instead of reconstructed month by month.

6 → 1
bank statements connected
06
months normalized
05 / 06
months with positive net cash flow
  1. 18ppJan–Feb
  2. 21ppMar–Apr
  3. 20ppMay–Jun
  4. 19ppJul–Aug
  5. 22ppSep–Oct
  6. not availableNov–Dec

Each block represents one statement period · height reflects the source-page volume behind it

What the six-month view shows

  1. Deposit consistencyConsistentMonthly inflows remain broadly stable across the six-statement review period.
  2. LiquidityStableAverage balances remain positive with no sustained deterioration across the period.
  3. Existing repayment obligationsWatchRecurring debt payments remain a meaningful draw on operating cash flow and warrant underwriter review.
  4. Cash-flow stressLimitedNSF and negative-balance activity appears intermittently rather than as a persistent deterioration pattern.

What the six-month view showsCash flow is broadly stable. The main watch item is the recurring repayment burden already drawing from operating cash flow — not deposit volatility.

Cevrynt normalizes six monthly bank statements into one continuous cash-flow view so deposit consistency, liquidity, repayment obligations, and cash-flow stress can be reviewed together rather than rebuilt month by month. The conclusion shown here is specific to this illustrative file, and the underlying statement evidence remains available for review. Illustrative deal · synthetic borrower data.
05

DECISION MEMO

The review comes together. The decision stays with your team.

Cevrynt assembles the borrower facts, financial analysis, business verification, policy results, open exceptions, and supporting evidence into one review-ready underwriting memo. Your team resolves what is still open and makes the final credit call.

04available lender dispositions

00issued by Cevrynt

The Cevrynt deal memo: borrower context, the findings with their evidence and sources attached, the policy outcomes, and a decision summary in which no automated approval or decline has been issued and the four dispositions remain with the lender's team.

Decision summary · lender-owned

  1. Financial analysisSupportive
  2. Business verification1 review item
  3. Fraud reviewNo unresolved material finding
  4. Policy exceptions1 open
  5. Evidence traceAttached

Your team makes the final credit decision

These are lender actions, not Cevrynt recommendations. Cevrynt assembles the review, keeps the evidence and policy context attached, and leaves approval, decline, conditions, and information requests with your team.

Cevrynt assembles the financial findings, business verification, policy results, open exceptions, and supporting evidence into one review-ready memo. Anything unresolved stays visible for the lender to address. Cevrynt does not issue the approval, decline, condition, or recommendation — the final credit decision and accountability remain with your team. Illustrative deal · synthetic borrower data.
06

FOUNDER-LED SMB UNDERWRITING REVIEW

Bring one SMB file your team already knows.

Walk through the borrower package, cash-flow evidence, business verification, lender policy, and open exceptions with Cevrynt. Compare what the platform surfaces with the underwriting work your team already trusts.

Book on Calendlyarin@cevrynt.com