Lenders decide on cash reality. Declared income opens the file. Bank analysis closes it.
Check income first. Recurring credits by payer. Monthly median. Stability across the window. Flag unsourced cash deposits separately.
Check obligations next. EMI totals per lender. Bounces by type. Overdraft frequency. Fixed obligations divided by income is the decision ratio.
Check balances and conduct. Falling month-end balances mean thin reserves. Gambling, BNPL stacking, and payday top-ups mean manual review.
Close with verification. Recomputed balances. Metadata and font signals. A 0-100 score with triggers named. Clean passes. Math breaks stop.