Floowed
Floowed/Document Intelligence

Reads every loan document. Any quality.

Scanned, photographed, handwritten, multi-account, mixed-language. Floowed’s intelligent document processing reads the documents real lending runs on, then extracts, validates, and cross-checks every field: bank statements, financials, tax returns, IDs, and titles. It catches tampering humans can’t see, then builds the full cash flow and financial analysis. The finished picture feeds straight into your decisioning engine.

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Document qualityAny
Fields per docExtracted + validated
TamperingDetected
Floowed reading a faintly printed, hand-annotated Metrobank passbook into a clean structured and validated transaction table
A faded passbook, read line by line into clean validated data. Identity redacted.
Document intelligence

The entire loan file, read and validated.

Not just bank statements: financials, tax returns, IDs, registrations, and contracts. Most tools were built for clean, born-digital PDFs, and manual review is slow and error-prone. Floowed reads the whole file, whatever its source or quality, into clean, validated data.

Any condition
HandwrittenPhotographedSkewed scansFaded printMulti-accountMixed-language
Financials
  • Bank statements
  • Passbooks
  • Financial statements
  • Tax returns
  • Payslips
Identity & KYC
  • Government IDs
  • Passports
  • Proof of address
Business
  • Business registrations
  • Permits
  • Articles of incorporation
Collateral & contracts
  • Loan agreements
  • Vehicle titles
  • Property documents
  • Invoices
Validation

Validated, not just read.

Every file is scored for extraction quality, validated for completeness and balance, and screened for statistical anomalies. Below is what Floowed returns on a single bank statement.

Floowed Statement Health view: extraction accuracy and document quality, page and readability checks, balance verified, and detected anomalies
The analysis layer

Then Floowed builds the analysis. Not just the data.

Every account is consolidated into one cash flow picture: average monthly revenue and expense, cash flow ratio, days negative, NSF count, counterparty concentration, balance history, and a monthly account summary. Financial statements are spread with the standard credit ratios, and a written credit report summarises the borrower’s health, with errors and irregularities flagged, ready for the credit memo.

What comes back
Cash flow analysisSpread financials + credit ratiosCounterparty concentrationRisk indicators dashboardWritten credit report
The full Floowed analysis on one application: consolidated accounts, key metrics and risk indicators, revenue versus expense trend, transaction insights, counterparty concentration, balance history, and the monthly account summary
The full analysis on one real application, top to bottom: accounts, risk indicators, transaction insights, counterparties, balance history, monthly summary. Account details redacted.
Fraud & document forensics

Catch the document that shouldn’t pass.

Every document runs through a full forensic suite that catches fraud and tampering, not a spot check: metadata and editor fingerprints, structural and template logic, typography and glyph analysis, image-to-vector and masking artifacts, math reconciliation against running balances, and chronological alignment. Every finding cites its page, location, and source.

Floowed document fraud and tampering forensics report: analysis findings, data-integrity metrics, and a deep forensic checklist covering metadata, structural logic, math reconciliation, image-to-vector consistency, glyph analysis, and chronological alignment
The forensic suite Floowed runs on every document, with cited findings and integrity signals.
Manual vs Floowed

The manual document work behind every file. Done in seconds.

The same loan file. What a team does by hand, and what Floowed does the moment it lands.

Intake & extraction

Step
Manual underwriting
With Floowed
Document intake
Analyst eyeballs quality, emails back for re-uploads
Accepts scanned, photographed, mixed-quality. Flags missing schedules
Bank statement parsing
Re-keys 6–12 months across multiple accounts into Excel
Parsed in seconds. Any bank, any format, multi-account consolidated
Financial statement spreading
3 years of P&L / balance sheet / cash flow spread by hand
Spread automatically, ratios computed

Validation & fraud

Step
Manual underwriting
With Floowed
Balance & arithmetic
Spot-checks a few totals, trusts the rest
Every running balance recomputed, mismatches flagged
Fraud & tampering
Rarely done; relies on gut and obvious edits
A forensic pass on every page: metadata, structure, glyphs, and math
Cross-document consistency
Name, ID, and address eyeballed across files
Name, ID, address, and DOB matched across every document

Handoff to decisioning

Step
Manual underwriting
With Floowed
Into the system
Re-typed into the LOS, transcription errors creep in
Structured data passed straight to the decisioning engine
Audit trail
Reconstructed later from notes and emails
Every field traces back to the source document
Time to a clean file
Hours per file
Seconds
Alon Capital · first 90 days on Floowed
↓ 54%Review time, clean cases
3×Statement fraud catches
180+Officer hours saved / week
0Engineering tickets

What lenders ask, answered.

What document types and quality can Floowed read?
Bank statements, financial statements, tax returns, payslips, certificates of employment, government IDs, proof of address, business registrations, and vehicle titles. Quality is not a barrier: Floowed reads scanned, photographed, handwritten, skewed, multi-account, and mixed-language documents, the messy real-world paperwork that lending actually runs on.
How does Floowed handle bad-quality or handwritten documents?
Every file gets a combined AI and document-analysis pass that returns an extraction-accuracy and document-quality score, so you can see how clean the read was. Floowed is best-in-class on handwritten passbooks, photographed statements, and skewed scans, the documents that IDPs tuned for pristine PDFs tend to struggle with. Low-confidence fields are flagged for review rather than guessed.
Does Floowed detect document tampering and fraud?
Yes. Floowed checks font and layout inconsistencies, arithmetic errors in running balances, suspicious deposit timing and round-number patterns, edited-PDF metadata, and image-manipulation signals. Every flag cites the specific evidence from the document, so a reviewer can see exactly why it fired.
What does Floowed validate beyond reading the fields?
Physical-document integrity (all pages present, readable, and in order), balance and arithmetic validation, cross-document consistency where name, address, date of birth, and ID are matched across every document, and statistical anomaly detection on the transactions. The result is data you can trust, not just data you extracted.
Does Floowed work on any bank format and language?
Yes. Any bank, any layout, multiple accounts consolidated, and multiple languages, with no per-bank templates to set up. Floowed is geography-independent and reads the formats your applicants actually submit.
Does Floowed analyse the data, or just extract it?
Floowed returns a finished analysis, not a spreadsheet. Every account is consolidated into a cash flow analysis with risk indicators, counterparty concentration, balance history, and a monthly account summary. Financial statements are spread with the standard credit ratios, and a written credit report summarises the borrower’s health with errors and irregularities flagged.
What happens to the data once it’s extracted?
It becomes clean, structured, validated data and a full cash flow and financial analysis that feed straight into your decisioning engine, where your credit policy runs on it and decisions every application with a full audit trail back to the source document.

Run a real loan through it. See the whole decision.

Watch Floowed read the documents, run the policy, and show the rules behind every call. No procurement, no IT project.

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