Bank Statement Analysis

Apex Auto Repair Inc · Meridian Commerce Bank ····3202
3 statements · May 2026 – Jul 2026
FUNDSCRUB
Generated August 31, 2026
SPECIMEN — synthetic statement data
Avg monthly true revenue$40Kview source ↓
Avg daily balance$13K
NSF fees12view source ↓Negative days5view source ↓MCA positions2view source ↓Est. MCA holdback37%view source ↓

Underwriting flags

End-of-day bank balancedaily, all statements · days below $0
-$10K$0$10K$20K$30KMay 2026Jun 2026Jul 2026
True revenue vs. total deposits by month True revenue Non-revenue deposits
$0$20K$40K$60K$40Kof $49K depositsMay 2026$42Kof $50K depositsJun 2026$38Kof $52K depositsJul 2026

Monthly metrics

MetricMay 2026Jun 2026Jul 2026
Total deposits receipts$49,098.16$49,736.60$51,786.92
Deposit count141414
True revenue receipts$39,871.94$42,432.90$37,813.77
Non-revenue deposits receipts$9,226.22$7,303.70$13,973.15
NSF fees receipts444
Negative days receipts320
Avg daily balance$9,341.77$9,741.49$19,795.21
MCA debits$13,640.00$13,952.00$16,426.00
Ending balance$6,777.42$14,599.75$11,459.60

Detected MCA positions

FunderCadencePayment Avg monthly debit% of true revenue
VADER MOUNTAIN CAPweekly$1,850.00$8,016.6720.0%
ONDECK CAPITALdaily$312.00$6,656.0016.6%

Document integrity

Opening balance + every transaction must equal the stated closing balance, and the running balance must be internally consistent on every line. Doctored or AI-generated statements usually fail one of these.

StatementOpeningComputed closing Stated closingReconcilesRunning balance
May 2026$2,100.00$6,777.42$6,777.42✓ pass✓ pass
Jun 2026$6,777.42$14,599.75$14,599.75✓ pass✓ pass
Jul 2026$14,599.75$11,459.60$11,459.60✓ pass✓ pass

✓ Semantic plausibility: no ACH activity on non-banking days.

PDF forensics

Who made each file, when, and with what software — plus a layout fingerprint (producer + fonts + page geometry) checked for consistency across the set and against known-authentic specimens, and a duplicated-line scan. Doctored statements usually leave marks here even when the arithmetic is perfect.

StatementProducerCreatedModified Fingerprint
May 2026ReportLab PDF Library - (opensource)2026-06-01 05:002026-06-01 05:00b74496c0518f
Jun 2026ReportLab PDF Library - (opensource)2026-07-01 05:002026-07-01 05:00b74496c0518f
Jul 2026ReportLab PDF Library - (opensource)2026-08-01 05:002026-08-01 05:00b74496c0518f
SeverityStatementFinding
! REVIEWMay 2026PDF produced by a programmatic PDF generator (“ReportLab PDF Library - (opensource)”). Generated by a backend PDF library rather than a bank statement system. Modern fintechs legitimately render statements this way, so this is not itself a fraud signal — but fabricated statements are built the same way. Confirm the file came from the bank/fintech portal it claims.
! REVIEWJun 2026PDF produced by a programmatic PDF generator (“ReportLab PDF Library - (opensource)”). Generated by a backend PDF library rather than a bank statement system. Modern fintechs legitimately render statements this way, so this is not itself a fraud signal — but fabricated statements are built the same way. Confirm the file came from the bank/fintech portal it claims.
! REVIEWJul 2026PDF produced by a programmatic PDF generator (“ReportLab PDF Library - (opensource)”). Generated by a backend PDF library rather than a bank statement system. Modern fintechs legitimately render statements this way, so this is not itself a fraud signal — but fabricated statements are built the same way. Confirm the file came from the bank/fintech portal it claims.

Receipts — source transactions for every metric

Every number above traces to statement lines. Expand a metric to see exactly which transactions produced it.

True revenue36 transactions

Deposits net of owner transfers, loan proceeds and other non-revenue credits.

StatementDateDescriptionAmountBalance
May 20262026-05-04COUNTER DEPOSIT$4,579.33$2,167.33
May 20262026-05-05STRIPE TRANSFER$4,221.85$6,077.18
May 20262026-05-06MERCHANT BANKCD DEPOSIT$4,194.77$9,959.95
May 20262026-05-07REMOTE DEPOSIT CAPTURE$3,677.70$11,613.54
May 20262026-05-08MERCHANT BANKCD DEPOSIT$3,020.41$12,147.46
May 20262026-05-12REMOTE DEPOSIT CAPTURE$2,511.44$12,291.57
May 20262026-05-15SQUARE INC DEPOSIT$3,798.35$17,303.43
May 20262026-05-20ZELLE CREDIT$2,311.24$14,730.51
May 20262026-05-22MERCHANT BANKCD DEPOSIT$2,301.28$14,557.79
May 20262026-05-26STRIPE TRANSFER$4,370.02$16,827.74
May 20262026-05-27ZELLE CREDIT$2,029.23$17,272.14
May 20262026-05-28ZELLE CREDIT$2,856.32$19,816.46
Jun 20262026-06-04SQUARE INC DEPOSIT$2,106.46$1,596.87
Jun 20262026-06-05SQUARE INC DEPOSIT$4,478.15$2,830.19
Jun 20262026-06-09REMOTE DEPOSIT CAPTURE$4,427.69$11,123.14
Jun 20262026-06-10STRIPE TRANSFER$3,543.03$14,354.17
Jun 20262026-06-15REMOTE DEPOSIT CAPTURE$2,905.87$16,607.35
Jun 20262026-06-17MERCHANT BANKCD DEPOSIT$2,142.98$11,326.33
Jun 20262026-06-22ZELLE CREDIT$2,121.02$9,193.01
Jun 20262026-06-23REMOTE DEPOSIT CAPTURE$4,707.04$11,864.40
Jun 20262026-06-24ZELLE CREDIT$4,257.76$14,966.39
Jun 20262026-06-25STRIPE TRANSFER$4,556.43$19,210.82
Jun 20262026-06-26MERCHANT BANKCD DEPOSIT$3,187.55$20,236.37
Jun 20262026-06-30MERCHANT BANKCD DEPOSIT$3,998.92$21,711.75
Jul 20262026-07-01STRIPE TRANSFER$3,564.48$18,164.23
Jul 20262026-07-02ZELLE CREDIT$2,265.00$15,917.23
Jul 20262026-07-03REMOTE DEPOSIT CAPTURE$3,860.86$17,616.09
Jul 20262026-07-06STRIPE TRANSFER$3,296.87$25,410.11
Jul 20262026-07-07COUNTER DEPOSIT$3,303.69$23,473.73
Jul 20262026-07-09STRIPE TRANSFER$3,515.95$26,365.68
Jul 20262026-07-15ZELLE CREDIT$2,363.11$30,598.45
Jul 20262026-07-16STRIPE TRANSFER$2,574.45$24,343.70
Jul 20262026-07-22COUNTER DEPOSIT$3,236.43$22,236.05
Jul 20262026-07-24ZELLE CREDIT$3,940.38$20,190.97
Jul 20262026-07-29ZELLE CREDIT$3,693.17$21,220.67
Jul 20262026-07-30REMOTE DEPOSIT CAPTURE$2,199.38$22,857.90
Non-revenue deposits6 transactions

Credits excluded from revenue: internal transfers, loan/advance proceeds, reversals.

StatementDateDescriptionAmountBalance
May 20262026-05-15ONLINE TRANSFER FROM SAV ...7712$6,027.34$13,505.08
May 20262026-05-20ONLINE TRANSFER FROM SAV ...7712$3,198.88$12,419.27
Jun 20262026-06-08ONLINE TRANSFER FROM SAV ...7712$4,489.26$7,007.45
Jun 20262026-06-12ONLINE TRANSFER FROM SAV ...7712$2,814.44$14,694.61
Jul 20262026-07-06ONLINE TRANSFER FROM SAV ...7712$6,046.78$22,113.24
Jul 20262026-07-14ONLINE TRANSFER FROM SAV ...7712$7,926.37$31,506.05
Total deposits42 transactions

Every credit on the statements.

StatementDateDescriptionAmountBalance
May 20262026-05-04COUNTER DEPOSIT$4,579.33$2,167.33
May 20262026-05-05STRIPE TRANSFER$4,221.85$6,077.18
May 20262026-05-06MERCHANT BANKCD DEPOSIT$4,194.77$9,959.95
May 20262026-05-07REMOTE DEPOSIT CAPTURE$3,677.70$11,613.54
May 20262026-05-08MERCHANT BANKCD DEPOSIT$3,020.41$12,147.46
May 20262026-05-12REMOTE DEPOSIT CAPTURE$2,511.44$12,291.57
May 20262026-05-15ONLINE TRANSFER FROM SAV ...7712$6,027.34$13,505.08
May 20262026-05-15SQUARE INC DEPOSIT$3,798.35$17,303.43
May 20262026-05-20ONLINE TRANSFER FROM SAV ...7712$3,198.88$12,419.27
May 20262026-05-20ZELLE CREDIT$2,311.24$14,730.51
May 20262026-05-22MERCHANT BANKCD DEPOSIT$2,301.28$14,557.79
May 20262026-05-26STRIPE TRANSFER$4,370.02$16,827.74
May 20262026-05-27ZELLE CREDIT$2,029.23$17,272.14
May 20262026-05-28ZELLE CREDIT$2,856.32$19,816.46
Jun 20262026-06-04SQUARE INC DEPOSIT$2,106.46$1,596.87
Jun 20262026-06-05SQUARE INC DEPOSIT$4,478.15$2,830.19
Jun 20262026-06-08ONLINE TRANSFER FROM SAV ...7712$4,489.26$7,007.45
Jun 20262026-06-09REMOTE DEPOSIT CAPTURE$4,427.69$11,123.14
Jun 20262026-06-10STRIPE TRANSFER$3,543.03$14,354.17
Jun 20262026-06-12ONLINE TRANSFER FROM SAV ...7712$2,814.44$14,694.61
Jun 20262026-06-15REMOTE DEPOSIT CAPTURE$2,905.87$16,607.35
Jun 20262026-06-17MERCHANT BANKCD DEPOSIT$2,142.98$11,326.33
Jun 20262026-06-22ZELLE CREDIT$2,121.02$9,193.01
Jun 20262026-06-23REMOTE DEPOSIT CAPTURE$4,707.04$11,864.40
Jun 20262026-06-24ZELLE CREDIT$4,257.76$14,966.39
Jun 20262026-06-25STRIPE TRANSFER$4,556.43$19,210.82
Jun 20262026-06-26MERCHANT BANKCD DEPOSIT$3,187.55$20,236.37
Jun 20262026-06-30MERCHANT BANKCD DEPOSIT$3,998.92$21,711.75
Jul 20262026-07-01STRIPE TRANSFER$3,564.48$18,164.23
Jul 20262026-07-02ZELLE CREDIT$2,265.00$15,917.23
Jul 20262026-07-03REMOTE DEPOSIT CAPTURE$3,860.86$17,616.09
Jul 20262026-07-06ONLINE TRANSFER FROM SAV ...7712$6,046.78$22,113.24
Jul 20262026-07-06STRIPE TRANSFER$3,296.87$25,410.11
Jul 20262026-07-07COUNTER DEPOSIT$3,303.69$23,473.73
Jul 20262026-07-09STRIPE TRANSFER$3,515.95$26,365.68
Jul 20262026-07-14ONLINE TRANSFER FROM SAV ...7712$7,926.37$31,506.05
Jul 20262026-07-15ZELLE CREDIT$2,363.11$30,598.45
Jul 20262026-07-16STRIPE TRANSFER$2,574.45$24,343.70
Jul 20262026-07-22COUNTER DEPOSIT$3,236.43$22,236.05
Jul 20262026-07-24ZELLE CREDIT$3,940.38$20,190.97
Jul 20262026-07-29ZELLE CREDIT$3,693.17$21,220.67
Jul 20262026-07-30REMOTE DEPOSIT CAPTURE$2,199.38$22,857.90
NSF fees12 transactions

Insufficient-funds fee events (returned items shown separately below).

StatementDateDescriptionAmountBalance
May 20262026-05-06NSF RETURN ITEM FEE-$35.00$9,924.95
May 20262026-05-06NSF RETURN ITEM FEE-$35.00$9,889.95
May 20262026-05-13NSF RETURN ITEM FEE-$35.00$11,944.57
May 20262026-05-15NSF RETURN ITEM FEE-$35.00$17,268.43
Jun 20262026-06-02NSF RETURN ITEM FEE-$35.00$2,230.42
Jun 20262026-06-12NSF RETURN ITEM FEE-$35.00$14,659.61
Jun 20262026-06-17NSF RETURN ITEM FEE-$35.00$11,291.33
Jun 20262026-06-23NSF RETURN ITEM FEE-$35.00$11,829.40
Jul 20262026-07-03NSF RETURN ITEM FEE-$35.00$17,581.09
Jul 20262026-07-15NSF RETURN ITEM FEE-$35.00$30,563.45
Jul 20262026-07-21NSF RETURN ITEM FEE-$35.00$19,735.00
Jul 20262026-07-29NSF RETURN ITEM FEE-$35.00$21,185.67
Negative balance days9 transactions

Transactions on days that ended below $0.

StatementDateDescriptionAmountBalance
May 20262026-05-01ACH DEBIT ONDECK CAPITAL REMIT-$312.00$1,788.00
May 20262026-05-01ACH DEBIT PROPERTY MGMT RENT-$4,200.00-$2,412.00
Jun 20262026-06-03ACH DEBIT ONDECK CAPITAL REMIT-$312.00$770.90
Jun 20262026-06-03POS PURCHASE ADP PAYROLL FEES-$1,280.49-$509.59
Jun 20262026-06-04SQUARE INC DEPOSIT$2,106.46$1,596.87
Jun 20262026-06-04POS PURCHASE WASTE MGMT-$270.28$1,326.59
Jun 20262026-06-04ACH DEBIT ONDECK CAPITAL REMIT-$312.00$1,014.59
Jun 20262026-06-04POS PURCHASE VERIZON WIRELESS-$812.55$202.04
Jun 20262026-06-04ACH DEBIT VADER MOUNTAIN CAP REMIT-$1,850.00-$1,647.96
MCA / advance debits77 transactions

Every debit matched to a known funder.

StatementDateDescriptionAmountBalance
May 20262026-05-01ACH DEBIT ONDECK CAPITAL REMIT-$312.00$1,788.00
May 20262026-05-04ACH DEBIT ONDECK CAPITAL REMIT-$312.00$1,855.33
May 20262026-05-05ACH DEBIT ONDECK CAPITAL REMIT-$312.00$5,765.18
May 20262026-05-06ACH DEBIT ONDECK CAPITAL REMIT-$312.00$9,577.95
May 20262026-05-07ACH DEBIT ONDECK CAPITAL REMIT-$312.00$11,301.54
May 20262026-05-07ACH DEBIT VADER MOUNTAIN CAP REMIT-$1,850.00$9,127.05
May 20262026-05-08ACH DEBIT ONDECK CAPITAL REMIT-$312.00$11,835.46
May 20262026-05-11ACH DEBIT ONDECK CAPITAL REMIT-$312.00$9,780.13
May 20262026-05-12ACH DEBIT ONDECK CAPITAL REMIT-$312.00$11,979.57
May 20262026-05-13ACH DEBIT ONDECK CAPITAL REMIT-$312.00$11,632.57
May 20262026-05-14ACH DEBIT ONDECK CAPITAL REMIT-$312.00$9,327.74
May 20262026-05-14ACH DEBIT VADER MOUNTAIN CAP REMIT-$1,850.00$7,477.74
May 20262026-05-15ACH DEBIT ONDECK CAPITAL REMIT-$312.00$16,956.43
May 20262026-05-18ACH DEBIT ONDECK CAPITAL REMIT-$312.00$9,532.39
May 20262026-05-19ACH DEBIT ONDECK CAPITAL REMIT-$312.00$9,220.39
May 20262026-05-20ACH DEBIT ONDECK CAPITAL REMIT-$312.00$14,418.51
May 20262026-05-21ACH DEBIT ONDECK CAPITAL REMIT-$312.00$14,106.51
May 20262026-05-21ACH DEBIT VADER MOUNTAIN CAP REMIT-$1,850.00$12,256.51
May 20262026-05-22ACH DEBIT ONDECK CAPITAL REMIT-$312.00$14,245.79
May 20262026-05-26ACH DEBIT ONDECK CAPITAL REMIT-$312.00$16,515.74
May 20262026-05-27ACH DEBIT ONDECK CAPITAL REMIT-$312.00$16,960.14
May 20262026-05-28ACH DEBIT ONDECK CAPITAL REMIT-$312.00$19,504.46
May 20262026-05-28ACH DEBIT VADER MOUNTAIN CAP REMIT-$1,850.00$17,654.46
May 20262026-05-29ACH DEBIT ONDECK CAPITAL REMIT-$312.00$17,342.46
Jun 20262026-06-01ACH DEBIT ONDECK CAPITAL REMIT-$312.00$6,465.42
Jun 20262026-06-02ACH DEBIT ONDECK CAPITAL REMIT-$312.00$1,918.42
Jun 20262026-06-03ACH DEBIT ONDECK CAPITAL REMIT-$312.00$770.90
Jun 20262026-06-04ACH DEBIT ONDECK CAPITAL REMIT-$312.00$1,014.59
Jun 20262026-06-04ACH DEBIT VADER MOUNTAIN CAP REMIT-$1,850.00-$1,647.96
Jun 20262026-06-05ACH DEBIT ONDECK CAPITAL REMIT-$312.00$2,518.19
Jun 20262026-06-08ACH DEBIT ONDECK CAPITAL REMIT-$312.00$6,695.45
Jun 20262026-06-09ACH DEBIT ONDECK CAPITAL REMIT-$312.00$10,811.14
Jun 20262026-06-10ACH DEBIT ONDECK CAPITAL REMIT-$312.00$14,042.17
Jun 20262026-06-11ACH DEBIT ONDECK CAPITAL REMIT-$312.00$13,730.17
Jun 20262026-06-11ACH DEBIT VADER MOUNTAIN CAP REMIT-$1,850.00$11,880.17
Jun 20262026-06-12ACH DEBIT ONDECK CAPITAL REMIT-$312.00$14,347.61
Jun 20262026-06-15ACH DEBIT ONDECK CAPITAL REMIT-$312.00$16,295.35
Jun 20262026-06-16ACH DEBIT ONDECK CAPITAL REMIT-$312.00$9,183.35
Jun 20262026-06-17ACH DEBIT ONDECK CAPITAL REMIT-$312.00$10,979.33
Jun 20262026-06-18ACH DEBIT ONDECK CAPITAL REMIT-$312.00$10,066.90
Jun 20262026-06-18ACH DEBIT VADER MOUNTAIN CAP REMIT-$1,850.00$8,216.90
Jun 20262026-06-22ACH DEBIT ONDECK CAPITAL REMIT-$312.00$8,881.01
Jun 20262026-06-23ACH DEBIT ONDECK CAPITAL REMIT-$312.00$11,517.40
Jun 20262026-06-24ACH DEBIT ONDECK CAPITAL REMIT-$312.00$14,654.39
Jun 20262026-06-25ACH DEBIT ONDECK CAPITAL REMIT-$312.00$18,898.82
Jun 20262026-06-25ACH DEBIT VADER MOUNTAIN CAP REMIT-$1,850.00$17,048.82
Jun 20262026-06-26ACH DEBIT ONDECK CAPITAL REMIT-$312.00$19,924.37
Jun 20262026-06-29ACH DEBIT ONDECK CAPITAL REMIT-$312.00$17,712.83
Jun 20262026-06-30ACH DEBIT ONDECK CAPITAL REMIT-$312.00$21,399.75
Jul 20262026-07-01ACH DEBIT ONDECK CAPITAL REMIT-$312.00$17,852.23
Jul 20262026-07-02ACH DEBIT ONDECK CAPITAL REMIT-$312.00$15,605.23
Jul 20262026-07-02ACH DEBIT VADER MOUNTAIN CAP REMIT-$1,850.00$13,755.23
Jul 20262026-07-03ACH DEBIT ONDECK CAPITAL REMIT-$312.00$17,269.09
Jul 20262026-07-06ACH DEBIT ONDECK CAPITAL REMIT-$312.00$25,098.11
Jul 20262026-07-07ACH DEBIT ONDECK CAPITAL REMIT-$312.00$23,161.73
Jul 20262026-07-08ACH DEBIT ONDECK CAPITAL REMIT-$312.00$22,849.73
Jul 20262026-07-09ACH DEBIT ONDECK CAPITAL REMIT-$312.00$26,053.68
Jul 20262026-07-09ACH DEBIT VADER MOUNTAIN CAP REMIT-$1,850.00$24,203.68
Jul 20262026-07-10ACH DEBIT ONDECK CAPITAL REMIT-$312.00$23,891.68
Jul 20262026-07-13ACH DEBIT ONDECK CAPITAL REMIT-$312.00$23,579.68
Jul 20262026-07-14ACH DEBIT ONDECK CAPITAL REMIT-$312.00$31,194.05
Jul 20262026-07-15ACH DEBIT ONDECK CAPITAL REMIT-$312.00$30,251.45
Jul 20262026-07-16ACH DEBIT ONDECK CAPITAL REMIT-$312.00$24,031.70
Jul 20262026-07-16ACH DEBIT VADER MOUNTAIN CAP REMIT-$1,850.00$22,181.70
Jul 20262026-07-17ACH DEBIT ONDECK CAPITAL REMIT-$312.00$21,869.70
Jul 20262026-07-20ACH DEBIT ONDECK CAPITAL REMIT-$312.00$19,770.00
Jul 20262026-07-21ACH DEBIT ONDECK CAPITAL REMIT-$312.00$19,423.00
Jul 20262026-07-22ACH DEBIT ONDECK CAPITAL REMIT-$312.00$21,924.05
Jul 20262026-07-23ACH DEBIT ONDECK CAPITAL REMIT-$312.00$19,689.94
Jul 20262026-07-23ACH DEBIT VADER MOUNTAIN CAP REMIT-$1,850.00$16,250.59
Jul 20262026-07-24ACH DEBIT ONDECK CAPITAL REMIT-$312.00$19,878.97
Jul 20262026-07-27ACH DEBIT ONDECK CAPITAL REMIT-$312.00$18,770.15
Jul 20262026-07-28ACH DEBIT ONDECK CAPITAL REMIT-$312.00$17,527.50
Jul 20262026-07-29ACH DEBIT ONDECK CAPITAL REMIT-$312.00$20,658.52
Jul 20262026-07-30ACH DEBIT ONDECK CAPITAL REMIT-$312.00$22,545.90
Jul 20262026-07-30ACH DEBIT VADER MOUNTAIN CAP REMIT-$1,850.00$20,695.90
Jul 20262026-07-31ACH DEBIT ONDECK CAPITAL REMIT-$312.00$18,259.60