Airlok

Your underwriters should be funding deals. Not reading bank statements.

Airlok reads every statement in the file, proves every month to the cent against the bank's printed balance, and declines the deals that miss your credit box before anyone opens them. What reaches your desk is worth funding, with the bank analysis already done.

Book a demo Buy it, or pay 39¢ a statement
Airlok Review queueCole Contracting LLC Reading page 3 of 7
Statements · 11ApplicationDecisionLogic
First Meridian BankStatement period
09/01/2026 – 09/30/2026
Business Checking ····4417
DateDescriptionAmountBalance
09/01Beginning balance18,240.55
09/02ACH credit · Square Inc4,210.4022,450.95
09/02ACH debit · Harbor Capital−412.0022,038.95
09/03Mobile check deposit1,980.0024,018.95
09/03ACH debit · Harbor Capital−412.0023,606.95
09/04Card purchase · Home Depot−286.1723,320.78
09/05ACH credit · Stripe transfer6,744.9030,065.68
09/05ACH debit · Northline Funding−1,180.0028,885.68
09/08Payroll · Gusto−9,420.0019,465.68
09/09ACH debit · Ridgeway Advance−265.0019,200.68
09/10Wire in · Cole Contracting12,500.0031,700.68
09/11Transfer from savings ····90205,000.0036,700.68
09/12ACH debit · Harbor Capital−412.0036,288.68
09/15Rent · Pike Street LLC−6,800.0029,488.68
09/16ACH credit · Square Inc3,905.2233,393.90
09/17ACH debit · Harbor Capital−412.0032,981.90
09/18ACH credit · Square Inc2,874.1035,856.00
09/19Insurance · Hartford−1,212.4434,643.56
09/19ACH debit · Harbor Capital−412.0034,231.56
Page 3 of 7Transfer, excluded from revenueMCA payment

Example deal. Every number comes off the statements. If a month doesn't balance, it stops here and goes to a person.

Every pageEvery month of every account, including the DecisionLogic pull. Nothing sampled, nothing skimmed.
$0.00The gap we allow between our closing balance and the bank's. A month off by a cent goes to a person, not into your numbers.
4 in 10Submissions declined by rules before an underwriter opened them, at the funder that built Airlok.

Reads like your best underwriter. Checks its work like an auditor.

Every date, description, amount and balance comes off the page, then the running balance is re-added line by line. A skipped page or a missing row shows up as a break. Nothing is filled in with a guess.

  • Known banks, no AI bill. Dozens of bank layouts are read by our own parser. No model call, no model cost.
  • Scans and strange layouts. Page images go to the AI account you set up. Credit reports and IDs are never sent.
  • Resubmissions. A statement we've seen in an earlier submission is recognised and reused. Not read twice, not billed twice.

Decision automation. Your credit box, applied to every deal.

We turn your credit box into rules during setup. The moment a deal's months are proven, Airlok applies them. Misses are declined with the reason on file. Clears go to underwriting with the analysis done. Anything a rule can't settle goes to a person. Nobody opens a file just to find out it was a no.

Deals in today212
  • Pike Street Bistro4 mo
  • Cole Contracting LLC6 mo
  • Summit Auto Body6 mo
  • Marlow Freight Inc6 mo
  • Tran Nails & Spa3 mo
  • Ada Dental Group3 mo
  • Rivera Landscaping5 mo
  • Kessler Plumbing6 mo
  • Northgate Printing6 mo
Your rules6
  • True revenue, 3-mo avg≥ $25,000
  • Negative days, any month≤ 3
  • NSF items, 90 days≤ 4
  • Open MCA positions≤ 3
  • Holdback of revenue< 30%
  • Months in file≥ 3

Set with you during setup. Change a threshold and it applies to the next deal in. Every decision shows the rule and the numbers behind it.

Declined, with the reason88
  • Pike Street Bistro5 NSF in 90d
  • Summit Auto Body4 positions
  • Tran Nails & SpaRev. $14,200
  • Kessler Plumbing7 neg. days
To underwriting112
  • Cole Contracting LLCClears 6 of 6
  • Marlow Freight IncClears 6 of 6
  • Rivera LandscapingClears 6 of 6
  • Northgate PrintingClears 6 of 6
To a person12
  • Ada Dental GroupAug off by $142.10

The spreadsheet your desk keys by hand. Already filled in.

Deposits, true revenue, NSFs, negative days, balances and every MCA position, for every month of every account. Written straight into your CRM, or delivered as a report.

Cole Contracting LLC2 accounts · 6 months · 11 statements · all proven
Reviewed
MonthDepositsTrue revenueNSFNeg. daysAvg. dailyEndingProof
Apr$81,422.10$74,905.6000$14,802$11,930.14Proven
May$92,018.77$85,310.2212$9,417$6,205.88Proven
Jun$88,640.05$83,640.0500$12,990$15,418.30Proven
Jul$104,377.90$97,120.4400$17,355$21,004.72Proven
Aug$79,955.12$76,455.1201$11,206$18,240.55Proven
Sep$96,310.12$88,904.3000$13,644$12,675.77Proven
Average$90,454.01$84,389.290.20.5$13,236

MCA positions found

  • Harbor CapitalDaily$412.00since 06/14 · 58 payments
  • Ridgeway AdvanceDaily$265.00since 08/02 · 34 payments
  • Northline FundingWeekly$1,180.00since 05/09 · 20 payments

Monthly holdback $18,848 · 21.2% of true revenue

From inbox to decision. Nobody keys a number.

  1. 1

    Send the submission

    Straight from your submissions inbox or intake system. Statements are sorted on arrival. Credit reports and IDs are set aside and never reach an AI model.

  2. 2

    Read every statement

    Known layouts by our own parser, scans by a page-image read. Resubmitted statements are recognised and reused. All months, all accounts.

  3. 3

    Prove each month

    Opening plus credits minus debits must equal the printed closing, to the cent. A month that misses goes to a reviewer, with the gap shown.

  4. 4

    Decide

    Your rules run on proven numbers only. Every deal is declined with the reason, sent to underwriting with the analysis done, or held for a person.

Own it outright, or pay 39 cents a statement.

Built for funders and lenders working thousands of deals a month. Either way, every statement in the file is read and proven.

Buy the software

Inquire for pricing

  • One-time license. Yours to keep. Unlimited users, unlimited deals.
  • Runs on your servers with your own AI account. Your statements never touch ours.
  • A fixed setup fee covers install, your CRM connection, your decision rules, and a 30-day trial on your own past files.
  • Optional yearly maintenance: new bank formats, new funder names, fixes and support.
Talk to us

We run it

$0.39a statement

  • A statement is one month of one bank account, however it arrives.
  • Can't read it? It isn't billed.
  • Monthly minimum, billed in arrears. No setup fee, no license fee.
  • Resubmissions are free. A statement we've already read is never billed again, however many times the deal comes back.
Book a demo
  • Deals that need a person can be reviewed by your team or ours.
  • Single sign-on, source code escrow and a security review are written into the agreement when you need them.

Security

Bank statements carry account numbers and owner details. Here is exactly what happens to them today.

  • Sensitive documents never reach an AI model. Credit reports and IDs are filtered out before any model read, and Social Security numbers are redacted. Statement pages go only to the AI account you set up, under that provider's terms.
  • Math makes the call, not a model. Revenue, positions and every decision come from a deterministic rules engine you can audit line by line.
  • Your data can stay yours. Buy the software and it runs on your servers. Statements and results never pass through ours.
  • Least-privilege access. Role-based logins, account numbers masked in the console, and writes to your CRM limited to the bank and positions boxes.
  • SOC 2: not yet audited. We will share our current controls and data-flow diagram under NDA during your pilot.

See it run on deals like yours.

Tell us about your desk. We'll set up a 30-minute walkthrough, then a trial on your own past files if it fits.