IncomeChecker.com

Private lending income verification

Review applicant cash flow without adding software overhead

Income Checker gives private lenders one applicant-authorized bank-deposit analysis report for $14.99. It summarizes income and deposit activity from connected accounts with no subscription and no API integration.

Use it when an applicant’s bank activity can add context to submitted documents, stated income, or an unusual income profile. The applicant chooses whether to connect an account and authorizes access before analysis begins.

Buy one report - $14.99View a sample report

Income Checker provides supplemental informational bank-deposit analysis. It is not a consumer report, a credit decision, or a replacement for underwriting, due diligence, or compliance.

One report

Purchase a single verification for one applicant. Credits are also available for repeat use.

No subscription

Pay for the report you need without a recurring software contract.

No API integration

Send an applicant link and review the completed report in the existing web workflow.

What a private lender can review

The report organizes bank-deposit activity into an estimated monthly income view, deposit history, identified income sources, and connected-account balances. That gives a lender a consistent record to compare with the application and other documents in the file.

Cash-flow data can add information beyond traditional credit history. The Consumer Financial Protection Bureau has described checking- and savings-account inflows, outflows, and accumulated amounts as potentially useful additional information, while also noting that more research is needed.

  • Estimated income based on observed deposits
  • Deposit-level history and recurring patterns
  • Connected-account current and available balances
  • A downloadable report for the lender’s file

Designed to supplement a complete lending process

Bank-deposit analysis answers a narrow question: what income and deposit activity appears in the accounts the applicant authorized for review? It does not determine creditworthiness, validate every statement in an application, or account for obligations and assets outside those connected accounts.

The mortgage-specific OCC bulletin cited below is included only as a limited example of documented repayment-capacity principles; it is not authority for all private lenders. Lenders remain responsible for their own credit policy, underwriting standards, consideration of relevant credit factors, fair-lending obligations, identity and fraud controls, licensing, disclosures, and any other legal or compliance requirements that apply to the loan.

How one verification works

  1. 01

    Invite the applicant

    Start one verification and send the secure connection link to the applicant.

  2. 02

    Applicant authorizes access

    The applicant selects an account and gives permission for the requested bank data to be shared for the verification.

  3. 03

    Review the report

    Compare the informational deposit analysis with the rest of the application and your established underwriting criteria.

Add bank-deposit context to the next application

Purchase one applicant-authorized report without a subscription or integration.

Buy 1 report - $14.99View a sample report

Private lending FAQ

What does a private lending income verification report show?
It shows estimated monthly income, deposit history and patterns, identified income sources, and balances from the bank accounts the applicant authorized for analysis. It reflects the connected data available for the report and should be reviewed with the rest of the application file.
Does the applicant authorize access to bank data?
Yes. The applicant chooses whether to connect an account and authorizes access before the verification is created. The lender does not collect or enter the applicant’s bank credentials.
Is an Income Checker report a consumer report?
No. Income Checker provides supplemental informational bank-deposit analysis and is not a consumer reporting agency. The report is not a consumer report and does not include a credit score or credit-bureau file.
Does the report replace underwriting or compliance checks?
No. It is not a replacement for a lender’s underwriting, credit decision, due diligence, identity or fraud controls, fair-lending review, disclosures, licensing analysis, or other required compliance work. The lender remains responsible for its decision and process.
Do private lenders need a subscription or API integration?
No. A lender can buy one report for $14.99, send the applicant a verification link, and review the result in the web app. No subscription, sales call, or API integration is required.

Continue your review

Income verification softwareSee the complete no-subscription verification workflow and report options.Income verification for self-employed applicantsReview practical ways to evaluate income that does not fit a standard payroll pattern.Income verification for gig workers and freelancersLearn how deposit history can add context for variable and multi-source income.Sample income reportInspect the report format before requesting a verification from an applicant.Report pricingBuy one report for $14.99 or compare prepaid credit packs for repeat use.

Sources

Reviewed August 17, 2026

    Private Lending Income Verification | IncomeChecker.com