Bank Statement Fraud Detection for Alternative Lenders
Detect edited bank statements before underwriting decisions are made. Structural PDF analysis catches modifications that KYC platforms miss — balance inflation, overdraft removal, fabricated history. REST API, one call per document, results in under 10 seconds.
Why Alternative Lending & Fintech Choose HTPBE
How alternative lending & fintech teams use PDF tamper detection in their document workflows
Catch edited bank statements before the loan funds — not after it defaults
Detect modifications invisible to KYC platforms: inflated balances, removed overdrafts, fabricated transaction history
Works alongside Plaid, Persona, and Alloy — the structural file layer they don’t provide
One API call per document — integrates into any underwriting or loan origination system
No original document needed — standalone structural analysis from the submitted PDF alone
Structured verdict with named markers (INTACT / MODIFIED / INCONCLUSIVE) for compliance audit trails
Common Use Cases
Real-world applications of PDF verification in alternative lending & fintech
Key Features
Essential capabilities for alternative lending & fintech PDF verification
Detects post-export PDF modifications: balance edits, transaction removal, date changes
xref table and incremental update analysis reveals file structure changes
Producer field analysis identifies documents re-saved through editing tools
Digital signature state verification for bank-signed statements
Font and object consistency checks across document pages
Self-serve from $15/mo — no sales call, no enterprise contract
API Use Cases for Alternative Lending & Fintech
Bank Statement Verification API
Detect Excel-edited and online-tool-modified bank statements submitted in loan applications — balance inflation, overdraft removal, transaction fabrication.
Invoice Verification API
Catch tampered invoices before payment — altered amounts, payee details, and bank account numbers.
Automate PDF Verification in Your Workflow
REST API with transparent pricing from $15/mo. Self-serve — no sales call required.
Free web tool available for manual checks. Test keys on all plans.