ocrolus.com

Attending Fintech Meetup 2026? Secure your meeting slot now to meet with Ocrolus! Learn more AI workflow and analytics platform for lenders. Make faster and more accurate underwriting decisions with trusted data. Schedule demo Get started Powering the best digital lending experiences in the world Automate financial decisions with unmatched speed and precision The premier engine for cash flow and income-based underwriting Transform documents and digital data into industry-focused credit analytics, enhanced by a unique data advantage. Vertical solutions SMB funding Mortgage AI optimized for perfect document understanding Regulatory-grade data capture and fraud detection, specializing in bank statements, pay stubs and tax forms. Explore our AI platform Use cases Auto finance Consumer lending Legal Medicaid Tax Tenant screening Consumers demand fast responses, but underwriting mistakes are expensive 0% of borrowers abandon credit applications mid-process $0 in labor costs for every mortgage 0% of non-bank lenders fail within 10 years Ocrolus helps you run a more profitable and scalable business Delight borrowers with real-time experiences, boosting conversion Reduce and simplify costs with outcome-based unit economics Say YES more often to borrowers who pay back Accessible via API & Dashboard Delivered directly into existing customer workflows with integrations into Loan Origination Systems. API docs Previous SMB “Ocrolus has helped us adapt to increasing loan volume while minimizing growing pains. Turnaround times for data extraction were reduced to under 15 minutes, which has helped Fora provide loan decisions within 4 hours and funding in under 24 hours.” Jesse Goldman, Chief Operating Officer at Fora Financial View case study PLATFORM “Ocrolus is great at having both AI-powered systems as well as human-in-the-loop systems. Using these together has been a value add, because human-in-the-loop is an important extra layer of assurance—coupled with new technology around AI, it enables very fast verification.” Shmulik Fishman, CEO & Founder at Argyle View case study SMB “Ocrolus technology elevated our bank statement analysis capabilities to the next level.” Jim Granat, President of Small Business at Enova MORTGAGE “Over 95% of documents that we have are processed through Ocrolus, and that dramatically changes the scalability of Better’s business.” Vishal Garg, Founder & CEO at Better MORTGAGE “Ocrolus has made everything faster and easier, It saves time, reduces errors and gives us confidence in what we’re presenting to decision-makers. Technology is evolving quickly and credit unions have to adapt. The faster we can review applications using AI, the better we can serve members and stay competitive.” Bob Thompson, Chief Lending Officer at Eagle Community Credit Union View case study SMB “The ability to quickly identify cash flow trends, identify potential fraud and provide fast, data-driven offers has been a game changer for us. Ocrolus has played a significant role in improving our portfolio performance over the last 3-5 years.” Mike Borak, Senior Vice President of Direct Sales at Kapitus View case study SMB “Ocrolus has helped us adapt to increasing loan volume while minimizing growing pains. Turnaround times for data extraction were reduced to under 15 minutes, which has helped Fora provide loan decisions within 4 hours and funding in under 24 hours.” Jesse Goldman, Chief Operating Officer at Fora Financial View case study PLATFORM “Ocrolus is great at having both AI-powered systems as well as human-in-the-loop systems. Using these together has been a value add, because human-in-the-loop is an important extra layer of assurance—coupled with new technology around AI, it enables very fast verification.” Shmulik Fishman, CEO & Founder at Argyle View case study SMB “Ocrolus technology elevated our bank statement analysis capabilities to the next level.” Jim Granat, President of Small Business at Enova MORTGAGE “Over 95% of documents that we have are processed through Ocrolus, and that dramatically changes the scalability of Better’s business.” Vishal Garg, Founder & CEO at Better MORTGAGE “Ocrolus has made everything faster and easier, It saves time, reduces errors and gives us confidence in what we’re presenting to decision-makers. Technology is evolving quickly and credit unions have to adapt. The faster we can review applications using AI, the better we can serve members and stay competitive.” Bob Thompson, Chief Lending Officer at Eagle Community Credit Union View case study SMB “The ability to quickly identify cash flow trends, identify potential fraud and provide fast, data-driven offers has been a game changer for us. Ocrolus has played a significant role in improving our portfolio performance over the last 3-5 years.” Mike Borak, Senior Vice President of Direct Sales at Kapitus View case study SMB “Ocrolus has helped us adapt to increasing loan volume while minimizing growing pains. Turnaround times for data extraction were reduced to under 15 minutes, which has helped Fora provide loan decisions within 4 hours and funding in under 24 hours.” Jesse Goldman, Chief Operating Officer at Fora Financial View case study PLATFORM “Ocrolus is great at having both AI-powered systems as well as human-in-the-loop systems. Using these together has been a value add, because human-in-the-loop is an important extra layer of assurance—coupled with new technology around AI, it enables very fast verification.” Shmulik Fishman, CEO & Founder at Argyle View case study Next We are using cookies to give you the best experience on our website. By clicking "Accept All" you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. You can find out more about which cookies we are using or switch them off in settings. Close GDPR Cookie Banner Accept All Reject All Close GDPR Cookie Banner Close GDPR Cookie Settings Privacy Overview Strictly Necessary Cookies Analytics Powered by  GDPR Cookie Compliance Privacy Overview This website uses cookies so that we can provide you with the best user experience possible. Cookie information is stored in your browser and performs functions such as recognising you when you return to our website and helping our team to understand which sections of the website you find most interesting and useful. Strictly Necessary Cookies Strictly Necessary Cookie should be enabled at all times so that we can save your preferences for cookie settings. Enable or Disable Cookies Enabled Disabled Analytics This website uses Google Analytics to collect anonymous information such as the number of visitors to the site, and the most popular pages. Keeping this cookie enabled helps us to improve our website. Enable or Disable Cookies Enabled Disabled Enable All Reject All Save Changes --- Attending Fintech Meetup 2026? Secure your meeting slot now to meet with Ocrolus! Learn more Partners Let’s build the future of fintech together. Partnering with industry leaders to deliver best-in-class solutions Collaboration over competition. We believe lasting innovation in fintech is built through shared expertise and trusted partnerships. Technology platforms Integrate with Ocrolus to unlock new capabilities Distribution leaders Resell our solutions to expand your offering Integration experts Seamlessly embed Ocrolus into customer workflows Previous Documents + digital = full coverage. Ocrolus enables customers to upload documents or connect digital bank data, thanks to our partnership with Plaid. Argyle partnered with Ocrolus to create a full-stack income verification solution including digital payroll connectivity and document upload. Ocrolus integrates with Middesk to retrieve business industry classification codes, enabling deeper cash flow analytics and benchmarking features for our SMB funding customers. Documents + digital = full coverage. Ocrolus enables customers to upload documents or connect digital bank data, thanks to our partnership with Plaid. Argyle partnered with Ocrolus to create a full-stack income verification solution including digital payroll connectivity and document upload. Ocrolus integrates with Middesk to retrieve business industry classification codes, enabling deeper cash flow analytics and benchmarking features for our SMB funding customers. Documents + digital = full coverage. Ocrolus enables customers to upload documents or connect digital bank data, thanks to our partnership with Plaid. Argyle partnered with Ocrolus to create a full-stack income verification solution including digital payroll connectivity and document upload. Next Become a partner Let’s team up to modernize financial services Share your details and we’ll connect quickly to explore partnership opportunities. We are using cookies to give you the best experience on our website. By clicking "Accept All" you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. You can find out more about which cookies we are using or switch them off in settings. Close GDPR Cookie Banner Accept All Reject All Close GDPR Cookie Banner Close GDPR Cookie Settings Privacy Overview Strictly Necessary Cookies Analytics Powered by  GDPR Cookie Compliance Privacy Overview This website uses cookies so that we can provide you with the best user experience possible. Cookie information is stored in your browser and performs functions such as recognising you when you return to our website and helping our team to understand which sections of the website you find most interesting and useful. Strictly Necessary Cookies Strictly Necessary Cookie should be enabled at all times so that we can save your preferences for cookie settings. Enable or Disable Cookies Enabled Disabled Analytics This website uses Google Analytics to collect anonymous information such as the number of visitors to the site, and the most popular pages. Keeping this cookie enabled helps us to improve our website. Enable or Disable Cookies Enabled Disabled Enable All Reject All Save Changes --- Attending Fintech Meetup 2026? Secure your meeting slot now to meet with Ocrolus! Learn more Fund more. Faster. With confidence. Instantly access trusted cash flow analytics to enable high-quality funding decisions. Schedule demo Get started The most successful SMB funders are powered by Ocrolus Say YES to more applicants Convert more leads, fund larger deals and serve a broader range of industries. AI-powered underwriting ISO application processing Cash flow analytics Fraud detection Industry classification 99+% accurate document understanding Account monitoring Cash Flow Gold standard for cash flow analytics Turn bank statements and digital transaction data into clean, decision-ready insights — augmented by the largest dataset of SMB cash flow profiles in the market. With Ocrolus, you get: Precise transaction tags and cash flow features Industry-leading revenue and debt capacity calculations Merchant intelligence and performance benchmarking The highest caliber data for the smartest decisions. Encore Monetize every creditworthy deal Say YES to borrowers before your competitors. Encore helps you grow origination volume and turn more leads into revenue. With Encore, you can: Share deal flow with instant, secure data permissioning Access referral and syndication partners on demand Substantially scale-up funding volume with new sources of capital Encore is the SMB network that lets you share borrower cash flow profiles with trusted counterparties. Previous SMB “Ocrolus has helped us adapt to increasing loan volume while minimizing growing pains. Turnaround times for data extraction were reduced to under 15 minutes, which has helped Fora provide loan decisions within 4 hours and funding in under 24 hours.” Jesse Goldman, Chief Operating Officer at Fora Financial View case study SMB “Ocrolus Instant analysis is great - it not only speeds up our processes, it’s also reliable and cost-effective. In a competitive industry like ours, the ability to process data and get offers out to customers as quick as possible is crucial. Instant has allowed us to do just that, closing deals faster and giving us the edge we need to stay ahead of the competition.” Shapour Rafii, Director, Business Processes at Rapid Finance SMB “Ocrolus technology elevated our bank statement analysis capabilities to the next level.” Jim Granat, President of Small Business at Enova SMB “We use Ocrolus every day. Every file runs through Ocrolus. It’s a great platform for us to upload bank statements quickly.” Kyle Kapka, Vice President of Sales at Lendr View case study SMB “Using Ocrolus cash flow analytics reduces manual calculations and develops analytics that improve future underwriting decisions.” Philip Taliaferro, Chief Growth Officer at Lendio View case study SMB “The ability to quickly identify cash flow trends, identify potential fraud and provide fast, data-driven offers has been a game changer for us. Ocrolus has played a significant role in improving our portfolio performance over the last 3-5 years.” Mike Borak, Senior Vice President of Direct Sales at Kapitus View case study SMB “Ocrolus has helped us adapt to increasing loan volume while minimizing growing pains. Turnaround times for data extraction were reduced to under 15 minutes, which has helped Fora provide loan decisions within 4 hours and funding in under 24 hours.” Jesse Goldman, Chief Operating Officer at Fora Financial View case study SMB “Ocrolus Instant analysis is great - it not only speeds up our processes, it’s also reliable and cost-effective. In a competitive industry like ours, the ability to process data and get offers out to customers as quick as possible is crucial. Instant has allowed us to do just that, closing deals faster and giving us the edge we need to stay ahead of the competition.” Shapour Rafii, Director, Business Processes at Rapid Finance SMB “Ocrolus technology elevated our bank statement analysis capabilities to the next level.” Jim Granat, President of Small Business at Enova SMB “We use Ocrolus every day. Every file runs through Ocrolus. It’s a great platform for us to upload bank statements quickly.” Kyle Kapka, Vice President of Sales at Lendr View case study SMB “Using Ocrolus cash flow analytics reduces manual calculations and develops analytics that improve future underwriting decisions.” Philip Taliaferro, Chief Growth Officer at Lendio View case study SMB “The ability to quickly identify cash flow trends, identify potential fraud and provide fast, data-driven offers has been a game changer for us. Ocrolus has played a significant role in improving our portfolio performance over the last 3-5 years.” Mike Borak, Senior Vice President of Direct Sales at Kapitus View case study SMB “Ocrolus has helped us adapt to increasing loan volume while minimizing growing pains. Turnaround times for data extraction were reduced to under 15 minutes, which has helped Fora provide loan decisions within 4 hours and funding in under 24 hours.” Jesse Goldman, Chief Operating Officer at Fora Financial View case study SMB “Ocrolus Instant analysis is great - it not only speeds up our processes, it’s also reliable and cost-effective. In a competitive industry like ours, the ability to process data and get offers out to customers as quick as possible is crucial. Instant has allowed us to do just that, closing deals faster and giving us the edge we need to stay ahead of the competition.” Shapour Rafii, Director, Business Processes at Rapid Finance Next We are using cookies to give you the best experience on our website. By clicking "Accept All" you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. You can find out more about which cookies we are using or switch them off in settings. Close GDPR Cookie Banner Accept All Reject All Close GDPR Cookie Banner Close GDPR Cookie Settings Privacy Overview Strictly Necessary Cookies Analytics Powered by  GDPR Cookie Compliance Privacy Overview This website uses cookies so that we can provide you with the best user experience possible. Cookie information is stored in your browser and performs functions such as recognising you when you return to our website and helping our team to understand which sections of the website you find most interesting and useful. Strictly Necessary Cookies Strictly Necessary Cookie should be enabled at all times so that we can save your preferences for cookie settings. Enable or Disable Cookies Enabled Disabled Analytics This website uses Google Analytics to collect anonymous information such as the number of visitors to the site, and the most popular pages. Keeping this cookie enabled helps us to improve our website. Enable or Disable Cookies Enabled Disabled Enable All Reject All Save Changes --- Attending Fintech Meetup 2026? Secure your meeting slot now to meet with Ocrolus! Learn more Underwrite smarter. Make borrowers happy. Analyze borrower income with speed and certainty, dramatically reducing time-to-fund. Schedule demo Get started Tech-forward mortgage lenders automate origination workflows with Ocrolus Modernize the mortgage experience Equip your loan production team with AI to enhance customer experiences, boost productivity and scale with confidence. AI-powered underwriting Index 2,000+ document types Asset analysis Conditions management Income calculations Credit, collateral and AUS review Fraud detection Income Precise calculations across all income types Transform bank statements, pay stubs and tax forms into decision-ready income data. With Ocrolus, you get: Support for a wide variety of income types including W2, 1099, gig, self-employed, rental and more Intuitive underwriting dashboard for faster reviews and fewer touches Direct integration with Encompass, the industry's leading Loan Origination System GSE-approved income analysis you can depend on. Income outputs eligible for Fannie Mae reps and warranties relief. Data capture accuracy insured by Lloyd’s of London. inspect Automatically create and clear conditions Identify and resolve discrepancies between borrower-provided documents and Encompass 1003 application data. With Inspect, you can: Streamline communications and reduce cycle times Eliminate data review errors and drive more reliable outcomes Remove bias and judgment with systematic conditioning Inspect accelerates mortgage operations by automating the tedious work that slows teams down. Previous MORTGAGE “Ocrolus' solutions helped us not only improve operational efficiency and productivity through automated document review, but also expand our lending base to include borrowers with non-traditional income sources.” Jessica Fitchie, Vice President, Consumer Credit Manager at HomeTrust Bank View case study MORTGAGE “Ocrolus' solutions helped us not only reduce loan processing time through automated document review, but also create valuable time for our underwriters to focus on the highest-complexity income by automating the analysis of most income sources. Ocrolus is a partner in allowing Compeer to focus on the most important thing - nurturing relationships with our clients.” Chelsea Breza-Berndt, Manager Consumer Credit at Compeer Financial View case study MORTGAGE “Over 95% of documents that we have are processed through Ocrolus, and that dramatically changes the scalability of Better’s business.” Vishal Garg, Founder & CEO at Better MORTGAGE “The AI-powered automation has allowed underwriters to open a file and start underwriting immediately. Ocrolus handles the renaming and organization, so our team doesn’t waste time getting the file ready.” Andrew R. McElroy, Senior Vice President at American Federal Mortgage Corporation View case study MORTGAGE “Underwriters really enjoy working with the income calculator. They can see how the data was read or processed and then double-check and confirm that the income calculation that the system came up with is accurate.” Esperanza Timothee-Lorda, Regional Processing Manager at Neighborhood Loans View case study MORTGAGE “Ocrolus' solutions helped us not only improve operational efficiency and productivity through automated document review, but also expand our lending base to include borrowers with non-traditional income sources.” Jessica Fitchie, Vice President, Consumer Credit Manager at HomeTrust Bank View case study MORTGAGE “Ocrolus' solutions helped us not only reduce loan processing time through automated document review, but also create valuable time for our underwriters to focus on the highest-complexity income by automating the analysis of most income sources. Ocrolus is a partner in allowing Compeer to focus on the most important thing - nurturing relationships with our clients.” Chelsea Breza-Berndt, Manager Consumer Credit at Compeer Financial View case study MORTGAGE “Over 95% of documents that we have are processed through Ocrolus, and that dramatically changes the scalability of Better’s business.” Vishal Garg, Founder & CEO at Better MORTGAGE “The AI-powered automation has allowed underwriters to open a file and start underwriting immediately. Ocrolus handles the renaming and organization, so our team doesn’t waste time getting the file ready.” Andrew R. McElroy, Senior Vice President at American Federal Mortgage Corporation View case study MORTGAGE “Underwriters really enjoy working with the income calculator. They can see how the data was read or processed and then double-check and confirm that the income calculation that the system came up with is accurate.” Esperanza Timothee-Lorda, Regional Processing Manager at Neighborhood Loans View case study MORTGAGE “Ocrolus' solutions helped us not only improve operational efficiency and productivity through automated document review, but also expand our lending base to include borrowers with non-traditional income sources.” Jessica Fitchie, Vice President, Consumer Credit Manager at HomeTrust Bank View case study MORTGAGE “Ocrolus' solutions helped us not only reduce loan processing time through automated document review, but also create valuable time for our underwriters to focus on the highest-complexity income by automating the analysis of most income sources. Ocrolus is a partner in allowing Compeer to focus on the most important thing - nurturing relationships with our clients.” Chelsea Breza-Berndt, Manager Consumer Credit at Compeer Financial View case study Next We are using cookies to give you the best experience on our website. By clicking "Accept All" you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. You can find out more about which cookies we are using or switch them off in settings. Close GDPR Cookie Banner Accept All Reject All Close GDPR Cookie Banner Close GDPR Cookie Settings Privacy Overview Strictly Necessary Cookies Analytics Powered by  GDPR Cookie Compliance Privacy Overview This website uses cookies so that we can provide you with the best user experience possible. Cookie information is stored in your browser and performs functions such as recognising you when you return to our website and helping our team to understand which sections of the website you find most interesting and useful. Strictly Necessary Cookies Strictly Necessary Cookie should be enabled at all times so that we can save your preferences for cookie settings. Enable or Disable Cookies Enabled Disabled Analytics This website uses Google Analytics to collect anonymous information such as the number of visitors to the site, and the most popular pages. Keeping this cookie enabled helps us to improve our website. Enable or Disable Cookies Enabled Disabled Enable All Reject All Save Changes