Bank verification for MCA lenders
FinClarity pulls 24 months of real bank history through Finclarity Link or your own Plaid keys, records what an aggregator cannot reach, and flags when a borrower is already in another lender's pipeline.
Billed monthly. There is no demo account.
The gap in the file
A borrower can show twelve months of tidy deposits and still be three fundings deep with other lenders. By the time the statements look thin, the money has usually moved.
The decision problem is not data access. It is evidence you can point at, and a view of the market around the borrower that goes beyond the file in front of you.
Multiple active advances drain the same account. A single statement will not show the other lenders.
PDFs pasted into a folder cannot be re-opened, traced or defended when a file is reviewed later.
If the decline reason is a gut feeling, it is not a file. Underwriting needs a source for every number.
How it works
The borrower never creates a FinClarity account. Your team sends a link, chooses a method, and reviews the result in the same workspace where the alerts live.
Create a verification and send it by SMS or email. The link is single-purpose and expires.
They authenticate at their bank, or your underwriter records the session. No app install.
Bank history, risk signals, network alerts and statement PDFs, all attached to one file.
Verification methods
Not every borrower can connect through an aggregator, and not every bank is supported. FinClarity keeps the same standard of evidence across all four methods, so the file does not change shape depending on how the data arrived.
Hosted connection
Send a link. The bank connection happens on our side.
A hosted FinClarity page connects the borrower's bank through our bank-connectivity provider, so you can start without a Plaid account. The borrower authenticates with their bank and the data lands in the same 24-month underwriting view.
Your Plaid keys
Automated bank connection, on your own Plaid keys.
The borrower authenticates at their bank through your Plaid account, so you keep your Plaid contract, dashboard and direct bank rates. FinClarity receives account, balance and transaction data and turns it into a 24-month underwriting view.
Supervised recording
When the portal is the only source, record it.
A supervised browser-extension session captures the pages the underwriter needs, with AI-assisted review turning the recording into structured evidence. Built for banks and portals that do not support an aggregator.
Live meeting
Sit on the call. Leave with the evidence.
For borrowers who need a person, a live screen-share session captures the bank view while your underwriter talks. The session recording and verification result land in the same file as every other method.
Network intelligence
Every verification becomes a signal. When the same business is verified or funded elsewhere in the FinClarity network, your file says so, with timing, without exposing the other lender's identity, pricing or terms.
Cedar Ridge Trucking was verified by two other lenders in the last 14 days. The latest event was 3 days ago.
The borrower confirmed funding terms with another partner on a recorded call. The event is visible to your desk before you wire.
Illustrative example. Business names and figures are fictional.
Generated from the connected account, not uploaded by the borrower.
Deposits, draws, NSFs and transfers, mapped to a consistent view across banks.
The numbers your credit box already asks for, calculated from the source data.
Duplicate verifications and FundLock events, timestamped and kept with the file.
The evidence trail
Underwriting decisions get reviewed months later, by people who were not on the call. FinClarity keeps the statement, the transaction and the network event together, so the decision can be re-read instead of re-litigated.
Recordings are retained for 30 days by default. Metadata, results and network events stay with the file for as long as the network needs them.
Pricing
Monthly credit allowances across all four verification methods. Prices come from the same live plan data the sign-up flow uses.
BYOP means Bring Your Own Plaid: Bank Connect runs on your company's Plaid keys.
A credit pays for one verification; how many it uses depends on the method. DV means duplicate verification: an alert when another FinClarity lender has already verified the same business.
4 BYOP plans shown
25 Monthly Credits
Get Started75 Monthly Credits
Get Started200 Monthly Credits
Get StartedFlat Platform Fee
Get StartedEach verification spends credits by method. See what each verification spends
Finclarity Link costs 1 credit, Bank Connect costs 0 credits on your own Plaid keys, and Manual and Share Screen cost 0.5 credits each.
Borrowers authenticate with their bank or Plaid. FinClarity never sees or stores bank credentials.
TLS in transit, AES-256 at rest, and field-level encryption for the secrets that matter.
Every query is scoped to your organization. A lender cannot read another lender's files.
Questions
Something not covered here? Send it to sales@finclarity.io and a person answers.
Next step
Bring a borrower you have already funded. Run the verification yourself, check the network view, and judge the evidence against the decision you made.