How MoneyThumb Works

Our processing lifecycle runs in 5 stages:

• Intake
• Conversion
• Tagging
• Scorecard
• Output

• Send documents and third-party data in JSON to the API via /uploadpdfs.
• Set accounttype to your document type. Then, PDF Insights identifies the supported document type for you.
• You can also send documents and data by email, web portal, or third-party integrations, such as LendSaaS or Salesforce.

PDF Insights converts the raw data into a clean structure for further processing or analysis. It parses text-based PDFs and JSON directly, and routes image-based PDFs through OCR.

During conversion, Reconcilation and PDF Fraud Detection occurs.

PDF Insights reconciles each bank statement transaction by confirming the

starting balance + deposits − withdrawals = ending balance

Check reconciled for the reconciliation outcome.

ThumbPrint scores each PDF statement for tampering and inconsistencies, both within a single statement and across statements from the same bank. Our methodology for this is patented.

PDF Insights tags transactions into 75+ categories, such as:

• True Revenue
• Debt Obligations
• NSFs
• MCA Positions
• Transfers
• Payroll
• Casino Payments

The benefits of these tags help you determine:

• How transactions impact the business’s financial performance.
• The difference between true revenue and untrue revenue.
• How much money the business owes others.

Based on tags, PDF Insights generates a scorecard for analysis, calculating:

• Monthly Revenue
• Debt
• Operating Expenses
• Risk indicators

For the full Scorecard structure, see the Scorecard Reference.

Depending on what you want to see, results return as a single JSON response containing these objects:

• statement_summaries
• appinfo
• scorecard
• transactions

From there, you can either:

• Pull data via the API.
• Export to Excel/CSV/Google Sheet/JSON.
• Embed the Scorecard UI.
• Share a signed scorecard URL.