Verify income in seconds. Not days.
AI-powered categorization breaks down every deposit — salary, gig income, transfers, one-offs. Know exactly what you're underwriting.
Income Breakdown
6 monthsSelf-reported income is unreliable. Bank statements tell the real story.
In MCA and alternative lending, income comes from everywhere — gig apps, multiple businesses, seasonal work. Manually categorizing it takes hours. ClearStaq does it in seconds.
Every deposit, sorted automatically
Six intelligent categories that cover the full spectrum of income sources.
Salary & Wages
Regular ACH from payroll providers like ADP, Gusto, Paychex
Business Revenue
Merchant payments from Stripe, Square, PayPal, Shopify
Gig & Contract
Payments from Uber, DoorDash, Fiverr, Upwork, freelance work
Government Benefits
Social Security, disability, unemployment, tax refunds
Investment Income
Dividends, interest, brokerage transfers, capital gains
Transfers & Non-Income
Internal transfers, refunds, reimbursements — excluded from totals
One month tells you nothing. Six months tells you everything.
See the full picture with trend analysis that reveals income stability, seasonality, and growth patterns.
Monthly Summary
Income totals broken down by month
Growth Indicator
Track income trajectory over time
Consistency Score
How reliable is this income?
Anomaly Detection
Unusual spikes or drops flagged
6-Month Income Trend
Find the pattern. Predict the future.
Our AI doesn't just categorize — it identifies recurring patterns that reveal income reliability.
Exact Recurring
Same amount, same day each month
Variable Recurring
Similar amounts with slight variation
Seasonal Patterns
Predictable seasonal fluctuations
Interrupted Patterns
Regular income with gaps explained
Not just numbers. Actionable intelligence.
Every income report includes the data you need to make confident underwriting decisions.
ACME Corp
6-month income analysis