The problem
Mortgage lenders, landlords, and underwriters ask for three to six months of bank statements. What they actually need is a summary: verified income, recurring obligations, and a clear picture of cash flow. A stack of PDFs makes their job slower and their questions harder to answer.
How Karchu helps
Karchu reads the statements you already have and produces the summary lenders look for: monthly income and expenses, recurring obligations, category totals, and a clean export they can review in minutes instead of hours. The result is fewer follow-up questions and a smoother application.
Recommended workflow
- Upload three to six months of personal bank statements.
- Verify income lines by category and recurring cadence.
- Review recurring obligations: rent, subscriptions, loan payments.
- Export a categorized summary as PDF or Excel to attach to the application.
What users say
The underwriter said this was the cleanest bank statement bundle they had reviewed all year.