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Dealensics Credit · preparing a finance application

Find the gaps before the lender does.

Credit checks the evidence pack across the P&L, BAS and bank statements and turns every gap into an exact request — before the application goes in.

Built for

  • Finance brokers
  • Business borrowers
  • Credit analysts
  • Accountants
Get the evidence-pack checklist See the sample report

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IllustrativeExample evidence pack · FY2026

Evidence packA fabrication business · 18 uploads
Q1Q2Q3Q4P&L
D02 · Profit and loss · FY
BAS
D03
D04
D05
D06
Bank A
D07
D08
D09
D10
Bank B
D11
D12D13Two versions
Not supplied
D14
Revenue vs bank creditsNo figure yet · 8 reasons stated
Requests for the borrower7
  1. M01Bank B statements for Q3: every day, all rows, opening and closing balances
  2. M02Issuer evidence on which Q2 version applies, D12 or D13
  3. M03Bank trace for the two credits on 20 Aug
  4. + 4 more, each tied to its reason
17 files in the pack3 accounts placed by quarter11 checks each with its reasons3 balances agree at year end7 requests ready to send0 credit scores by design

Design case, not engine output. Dealensics Credit is in development and its review engine isn’t built yet. Everything on this page comes from NORTHSTAR-01, a synthetic case: its results are the ones the Credit design specifies, and they have not been professionally reviewed.

Evidence pack · NORTHSTAR-01 design case

A missing quarter stops the comparison.

In the design case, revenue is compared with bank credits only when every account is covered for every quarter. One quarter is missing and another arrived twice, so no difference is calculated — and the requests say exactly what would fix it.

Evidence pack · Northstar Example Fabrication Pty Ltd · FY202617 files · 18 uploads
SourceQ1Q2Q3Q4
Financial statementsP&L and balance sheetAnnual · supplied
BASQuarterlySuppliedSuppliedSuppliedSupplied
Bank ••1010Example North BankSuppliedSuppliedSuppliedSupplied
Bank ••2020Example South BankSuppliedTwo versionsNot suppliedSupplied
Loan statementEquipment loan ••3030Balance at year end
The checkR2-ALL

P&L revenue against bank credits, all accounts

Same entity, every account, all four quarters.

ResultUnable to assess

No difference calculated

A reissued statement is unresolved. A quarter of statements is missing. Bank credits are not revenue as such.

The next request · M01

Bank statement · Account ••2020

1 Jan – 31 Mar 2026

Cross-source checks · NORTHSTAR-01 design case

Eleven checks. Each says why.

In the design case, three balances agree at year end, and the revenue comparisons are blocked until the pack is complete — each with its reasons, never a guessed difference.

  1. 01
    Statement coverage, account ••2020

    Q3 statements for ••2020 were not supplied · Opening and closing balances can’t rebuild the missing rows

    GAPEvidence missing
  2. 02
    Two versions of one quarter’s statement, ••2020

    Both versions close at the same balance but list different rows

    REISSUEUnable to assess
  3. 03
    A transfer with two possible matching credits

    Two credits fit the same transfer · No pairing has been chosen

    TRANSFER-AMBIGCandidate
  4. 04
    P&L revenue against BAS sales

    The sources treat GST differently · The accounting bases differ · Timing differences are not bridged

    R1-ALIGNEDUnable to assess
  5. 05
    P&L revenue against bank credits, all accounts

    A reissued statement is unresolved · A quarter of statements is missing · Bank credits are not revenue as such · The sources treat GST differently · The accounting bases differ · Timing differences are not bridged · A possible transfer is unresolved · The declared list of accounts is not independently confirmed

    R2-ALLUnable to assess
  6. 06
    BAS sales against bank credits, all accounts

    A reissued statement is unresolved · A quarter of statements is missing · Bank credits are not sales as such · Timing differences are not bridged · A possible transfer is unresolved · The declared list of accounts is not independently confirmed

    R3-ALLUnable to assess
  7. 07
    Tax-return income against the P&L

    The tax-return field is not mapped to the P&L · The tax basis is unknown · The tax return’s GST treatment is unknown

    R4-TAXUnable to assess
  8. 08
    Loan balance against the balance sheet

    AUD 18,000 · agree at 30 Jun 2026 · Principal only; interest and fees are not in this ledger · Loan terms were not supplied · Other debts may exist

    R6-L1Supported
  9. 09
    Cash at bank against the balance sheet, ••1010

    Agree at 30 Jun 2026 · Agreement on the same date only

    CASH-O1Supported
  10. 10
    Cash at bank against the balance sheet, ••2020

    Agree at 30 Jun 2026 · Agreement on the same date only · The annual flow can’t be assessed

    CASH-O2Supported
  11. 11
    Repeated debits whose narration mentions a loan

    A narration alone is not evidence of a debt · The relationship is unknown

    R6-NARRATIONCandidate

Evidence still required · NORTHSTAR-01 design case

Ask for the record. Not “more information”.

Credit is designed to turn every gap into a request naming the document, the account and the dates, so the borrower or their accountant knows exactly what to send. These are the design case’s seven.

  • M01 · Account ••2020 · 1 Jan – 31 Mar 2026Bank statement

    Supply ••2020 statement(s) covering every day and all rows in Q3, with opening and closing balances. Do not submit an empty replacement.

  • M02 · Account ••2020 · 1 Oct – 31 Dec 2025Which statement version applies

    Supply issuer evidence resolving D12 versus D13, identifying the operative row set and explaining both changed rows; retain both historical files.

  • M03 · One transfer · 20 Aug 2025Transfer trace

    Supply bank trace/counterparty evidence for T04, T19 and T20 that identifies any actual transfer and the disposition of the other credit.

  • M04 · The business · 1 Jul 2025 – 30 Jun 2026GST mapping schedule

    Supply a source-linked GST classification and adjustment schedule mapping P&L P01/P02 to BAS G1 for each of D03-D06.

  • M05 · The business · 1 Jul 2025 – 30 Jun 2026Accrual-to-cash timing bridge

    Supply a source-linked quarterly accrual-to-cash receipts bridge covering both operating accounts, opening/closing receivables and non-trading receipts.

  • M06 · The business · 1 Jul 2025 – 30 Jun 2026Tax-income mapping

    Supply the exact tax I01 field definition and a source-linked mapping to P&L P01/P02 with tax GST treatment and accounting basis, for professional review.

  • M07 · Account ••1010 · 20 Sep 2025 – 20 Jun 2026Debit mandate or advice

    Supply bank mandate/transaction advice identifying recipient and purpose of T06/T09/T12/T15; request a loan statement only if later evidence establishes a loan.

What you receive

A report you can check line by line.

Every Dealensics review is built to end in the same kind of report. These pages come from synthetic cases with known answers: Acquire’s and Separation’s are engine output; Credit’s are the results its design specifies.

  • Scope: who, what period, what was supplied
  • Findings, each with its status, file and row
  • Coverage drawn to dates, gaps included
  • The exact records still needed, ready to send
  • A workpaper with every calculation
Open the full Credit report
DealensicsCredit review · evidence pack

Evidence pack review

Northstar Example Fabrication Pty LtdFY2026NORTHSTAR-01 · design case, not engine output

7Exact requests
17Files in the pack
11Checks run
3Accounts
  1. 01Scope
  2. 02Coverage
  3. 03Key facts
  4. 04Reconciliation
  5. 05Evidence required

Coverage · account ••2020 · Evidence missing

Q3 statements not supplied

90 days have no statement, and a reissued statement leaves another 92 in dispute. Annual revenue-to-bank checks are blocked until they are resolved; no difference is calculated.

View the report

Synthetic design case NORTHSTAR-01. Credit is in development: these are the results its design specifies, not engine output, and they are not professionally reviewed.

What you provide · what it checks · what you get

Your records in. Evidence out.

The evidence pack a lender will ask for, read together. Credit is in development and not accepting borrower documents — please don’t send any.

Credit is in development: this is its design, shown on a synthetic design case whose results are specified, not engine output.

01

You provide

The records behind the numbers
  • Financial statementsP&L and balance sheet
  • BASeach quarter
  • Bank statementsevery account, each quarter
  • Loan statements
  • Tax-return extract and bank adviceswhere you have them
02

Dealensics tests

Code does the arithmetic first
  • Coverage of each account, by quarter••2020 · Q3 not supplied
  • Which version of a statement applies••2020 · 2 versions, unresolved
  • Revenue across the P&L, BAS and bank credits4 checks blocked · reasons stated
  • Balances against the balance sheet3 agree at year end
  • The records still needed7 exact requests
03

You receive

A report you can check
  • An evidence-pack revieweight sections
  • A coverage matrixaccount by quarter
  • Blocked comparisonswith the reason
  • Exact requestsdocument, account, dates
  • A workpaperevery calculation

Results shown are the ones the Credit design specifies for the NORTHSTAR-01 synthetic case, not engine output. What Credit reads, in full

Get the evidence-pack checklist

Boundaries

Evidence for the file. Not the credit decision.

Credit shows what the pack supports and what it still needs. Lending decisions stay with the lender, and advice with the broker.

It will not

  • Approve or decline credit, or tell a lender what to do
  • Assign a credit score, risk score or overall rating
  • Say whether a borrower is creditworthy
  • Recommend a lender or a loan product
  • Value a business or a property
  • Decide which of two disagreeing documents is correct
  • Conclude from a difference alone that a document is wrong or revenue is overstated
  • Replace a broker, credit analyst, accountant or a lender’s own assessment
  • Act as a CRM, loan-origination or lodgement system

Where your broker fits

Credit is being built so they can submit a complete, consistent pack, with the gaps closed before the lender asks. Dealensics makes no lending decision.

Dealensics Credit reports what the supplied evidence pack shows, what is missing and what cannot be compared. It is not a credit assessment, lending decision, audit or valuation, and it does not recommend a lender or a loan.

What to do next

Close the gaps first.

Get the evidence-pack checklist Credit · In development
  • Acquire · Early access

    For buyers and their advisers. Early-access reviews are assisted: a person checks each finding before a report is released.

    Explore Acquire
  • Separation · In development

    In development and not yet available. Its page shows how it is being built, on a synthetic case.

    Explore Separation
  • Credit · In development

    In development and not yet available. Its page shows the design, on a synthetic design case.

    Get the evidence-pack checklist
  • Not ready yet?

    See exactly what a review produces first: three sample reports from synthetic cases.

    Open the sample reports