From bank data to qualifying income.
Laminr brings transaction categorization, investor methodology, documentation review, and qualifying income into one reviewable workflow.
Request a DemoEvery figure below comes from one demonstration file: twelve statement months, one business account, one investor program. The same inputs appear at every stage, so the result can be traced back through each decision that produced it.
Statement coverage
Transaction treatment
Qualifying income
Demonstration data
Statement coverage
Qualifying income
Demonstration data
01 Intake and coverage
Statements arrive, coverage is confirmed.
Bank information enters through a Plaid connection or uploaded statements. Before any deposit is categorized, Laminr confirms the statement window is complete and sets the income divisor from it.
- Connected bank data or PDF statements, both read the same way
- Twelve consecutive months confirmed before analysis begins
- The month with the single large deposit is visible from the start
Twelve statements received, one account, one business.
Deposits by statement month
$90,000.00 large depositAbove the investor cutoff, held for sourcing
Demonstration data
02 Transaction treatment
Every deposit is placed, with its reason.
Deposits move into Eligible, Excluded or Review. Internal transfers and refunds leave the calculation; deposits above the investor cutoff wait for sourcing; everything else carries the reason it was kept. Select a row to see its treatment.
Demonstration data
Wire credit
- Amount
- $90,000.00
- Reason
- Large deposit, above investor cutoff
- Source
- Statement
- Effect on the calculation
- Removed before the income divisor is applied
Treatment reasons stay on the row so a reviewer reads the same decision the underwriter made.
03 Investor methodology
The investor program sets the rules.
Each methodology defines the statement window, how transfers and refunds are handled, where the large deposit cutoff sits, and which expense ratio and ownership share apply. Laminr applies the program named on the file, and the effect of every rule is visible.
- Rules activate against the same deposits categorized in the previous step
- Eligible, rule ineligible and large deposit shares reconcile to gross deposits
- The program name travels with the calculation
Business program methodology
- 12 month coverageEvery statement month present, no gapsIncome divisor set to 12
- Transfers and refundsInternal transfers and refund credits removed$26,991.39 across 28 credits
- Large deposit reviewSingle deposits above the investor cutoff need sourcing$90,000.00 excluded, 1 deposit
- Expense ratioInvestor standard for this business type50% applied
- OwnershipDocumented ownership share of the business100% applied
Demonstration data
Qualifying income, resolved from its inputs.
Eligible deposits across the income divisor, reduced by the expense ratio and the ownership share. Select an input to see its path to the result.
05 Supporting detail
The detail travels with the number.
Transaction treatment, statement coverage, the source of each row and the status of any deposit awaiting documentation stay attached to the calculation, so a condition can be answered from the file rather than rebuilt.
Transaction detail
Demonstration data
Sources on this file
- Bank link rows shown4
- Statement rows shown4
- Statement months12 of 12
Methodology on file
- ProgramBusiness
- Income divisor12 months
- Expense ratio50%
- Ownership100%
Awaiting documentation
- Wire credit, Aug 22Large deposit
- Cash deposit, Mar 27Review
Each item shows what would change in the calculation once sourced.
06 Debt review
Withdrawals reviewed for the liabilities behind them.
Debt Detector reads the same statements for recurring withdrawals, helping verify disclosed liabilities and identify potential undisclosed debt. Each obligation is traced to the payments that support it.
- Estimated monthly debt across identified obligations
- Obligations compared with what the application discloses
- Credit card and installment patterns called out separately
Demonstration data
07 Document integrity
A verdict on the document itself.
Tampr moves each document through an integrity review and reports Clean, Cautionary or Review Recommended. It can review unusual metadata, documents not generated by bank software, and arithmetic discrepancies. Verdicts inform review; they do not replace it.
- Signals are listed with the check that raised them
- Results stay attached to the file the income was calculated from
- Runs on the same statements the income analysis reads
08 Workflow connections
Connected to the rest of the file.
Bank data enters through Plaid, a Broker Portal or uploaded statements. The calculation, its transaction detail and its supporting information move on through the Laminr API, Maxwell and Encompass.
Intake
- Transaction categorization
- Investor methodology
- Qualifying income
Delivery
Laminr APIIntegrationWalk through the workflow on one of your files.
A short working session with the Laminr team, using the intake path and investor methodology your team runs today.
Request a Demo