Cloudvirga Launches Cash Flow Analysis Tool for Nontraditional Income Borrowers

Cloudvirga, a Stewart-owned provider of digital point-of-sale platforms for lenders, has released a new tool within its Tropos Platform that provides AI-driven bank statement analysis.

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The feature enables lenders to analyze bank statement data and generate cash flow-based income insights for borrowers whose earnings fall outside traditional W-2 employment. By including self-employed individuals, gig workers and those with multiple income streams into their borrower bases, lenders can expand their pool of possible borrowers with this solution.

As borrower income profiles evolve, a growing share of the U.S. workforce earns at least part of its income outside traditional employment models, increasing demand for more flexible underwriting approaches. Financial institutions are often required to review months of bank statements to assess borrower eligibility manually, a process that can be time-intensive and inconsistent.

Cloudvirga’s capabilities automate this process by analyzing transaction-level data and generating an income summary, along with detailed supporting data.

“Lenders are seeing a growing number of borrowers whose income does not fit traditional verification models,” said Maria Moskver, CEO at Cloudvirga. “This capability gives loan officers a faster, more consistent way to evaluate cash flow and make informed lending decisions without relying on manual document review.”

Once bank statements are uploaded, the platform analyzes deposit activity, identifies income patterns and generates a structured report that lenders can use to support underwriting decisions. The output includes both a summarized income view and transaction-level data, allowing institutions to apply their own risk models and calculations as needed.

By reducing the time required to review and interpret bank statements from hours to minutes, this feature helps lenders improve operational efficiency while maintaining flexibility in how income is assessed.

The capability is designed for use across mortgage, non-QM, and other lending segments where verifying income from bank statement data is a common requirement. It also supports ongoing document collection by allowing lenders to update and reanalyze borrower data without restarting the review process.

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