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The self-employed file, without the shoebox

Bank statements, P&Ls, and returns parsed into income data an underwriter can check — for applicants who own the business rather than draw a W-2.

A small business owner is not a harder credit so much as a harder file. The income exists; it is spread across twenty-four bank statements, a P&L, and an entity structure nobody has drawn out. Qualr is the software layer lenders use to make that file legible.
01

Bank statements read, not skimmed

Diver parses statement periods into categorised deposits and reconciles them against the P&L, so the income calculation starts from data rather than from a highlighter.

02

Entity ownership drawn out

The business, its owners, and their percentages are modelled as real objects, with the documents that evidence each one attached to the right node.

03

An application that fits a working day

LiteAPP drafts itself from documents the owner already has, so the application can be finished between shifts rather than in one uninterrupted hour.

04

A reviewer who can check the work

Every extracted figure cites the page it came from. Automation drafts the income analysis; a person still signs it.

Stack on top of what you already run.

Keep your system of record. Qualr layers on top of it and reads and writes both ways, so nothing has to be ripped out and nothing has to be re-keyed at the seam. These are the systems that matter most for this channel.

Or we build you a custom end to end. If what you are running is the actual problem, we replace it — origination, documents, pricing, and workflow on one record, built to your credit policy rather than to somebody else's product roadmap.

Quick Match

Tell us the scenario. We will route it to a non-agency lending desk that writes this kind of file.