Verify & Monitor
Fund with confidence. Monitor what matters.
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The most successful SMB funders are powered by Ocrolus
Manual "stare-and-compare" reviews slow down lending and open the door to fraud. And once a deal closes, most lenders lose visibility entirely until a payment is missed. Ocrolus closes both gaps. Docs-to-Digital automates pre-funding reconciliation between bank statements and digital bank data, so your team funds with confidence. Post-Funding Analytics keeps that picture current after closing, surfacing early risk signals before they become defaults.
Catch fraud before it costs you.
Automatically compare PDF bank statements with digital bank transaction data to surface discrepancies in seconds, not 30 minutes.
Know which mismatches actually matter.
Severity scoring classifies every discrepancy as High, Medium, or Low so your team focuses on real red flags, not noise.
Stay informed after every deal closes.
Continuous cash flow monitoring gives lenders real-time visibility into borrower financial health, enabling proactive renewals and early collections.
Two products. One continuous data advantage.
See how Docs-to-Digital and Post-Funding Analytics work together across the full loan lifecycle and calculate what faster, smarter lending could mean for your bottom line.
“Ocrolus has allowed us to take one of the most complex parts of our underwriting process and do it much more quickly and much more efficiently, while gaining insights we simply would not have been able to uncover manually.”
Randy Allred, Senior Vice President, SMB Lending at TAB Bank
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Frequently asked questions
Docs-to-Digital is a fraud verification solution that automatically reconciles PDF bank statements with digital transaction data (Plaid, Finicity or Decision Logic) to identify discrepancies, flag suspicious activity, and score mismatch severity before funding.
By comparing immutable digital transaction data from digital bank data c against submitted bank statements, Docs-to-Digital detects document tampering, altered transactions, and undisclosed activity, surfacing only the mismatches that require review, scored by severity.
Docs-to-Digital flags transaction discrepancies across categories including NSFs, loans, and crypto activity, and classifies each as High, Medium, or Low severity, with reason codes and linked transaction details for fast triage.
Each mismatch is automatically scored based on the type and risk profile of the discrepancy. High-severity items such as undisclosed loans or NSF patterns are surfaced first, so underwriters can prioritize without reviewing every line.
Post-Funding Analytics is a continuous monitoring solution that gives lenders real-time visibility into borrower financial health after a deal closes, combining pre-funding baseline data with updated post-funding transactions for ongoing portfolio management.
By tracking borrower cash flow over time, Post-Funding Analytics surfaces early warning signals such as revenue decline or rising overdraft frequency weeks before a payment is missed, enabling proactive intervention.
Post-Funding Analytics integrates data from digital bank data sources, PDF bank statements, and other formats into a unified view, with flexible upload options so lenders can refresh borrower data on their own schedule.
Underwriters and fraud teams benefit from Docs-to-Digital’s pre-funding checks. Portfolio managers, lending ops, and collections teams benefit from Post-Funding Analytics’ ongoing monitoring, together covering the full loan lifecycle.