Know if your applicant
can actually afford it.
Sorae parses South African bank statements in under 2 seconds — returning verified income, a full expense breakdown, an affordability score, and behavioural risk flags. No manual review. No gut feel.
Purpose-built for major South African banks
Manual bank statements are costing you more than you think
For lenders, rental agents, and HR managers, the "gut-feel" approach to verifying affordability is a liability. Manually eyeballing PDF bank statements is slow, prone to human error, and fails to catch behavioral risk—turning every decision into a gamble.
What used to take 15 minutes,
delivered in 2 seconds.
Upload a bank statement. Sorae parses it, analyses it, and returns structured financial intelligence — so the person making the decision gets clarity, not a PDF.
Verified salary — not just a number on a payslip
Sorae identifies salary credits, scores consistency across months, and detects irregular or missing income patterns. You see what the applicant actually earns, not what they claim.
Every rand categorised, automatically
Transactions are bucketed into rent, debt repayments, groceries, transport, subscriptions, and gambling — giving you a clear picture of where money is going before it reaches you.
A clear monthly repayment ceiling
Sorae calculates a realistic disposable income figure and converts it into an affordability grade. No interpretation required — you get a number and a verdict.
Behavioural patterns humans miss
Returned debit orders, pre-payday cash withdrawals, sustained negative balances, and multiple active loans are surfaced automatically — the signals buried in 90 days of transactions.
Zero data retention — by design.
Sorae never stores the original bank statement. We process it, discard it, and return only the intelligence. Your applicant's raw financial data never sits on our servers.
Trusted by industry leaders
"Sorae’s instant affordability scoring has cut our tenant verification time by 90%."
Sarah M.
Rental Manager
"The ability to instantly flag behavioral risks has fundamentally changed our credit model."
James D.
Credit Officer
"We needed a secure, POPIA-compliant way to verify salary consistency. Sorae worked perfectly."
Lerato K.
Operations Lead
"The API integration was effortless and the data accuracy is unmatched."
Thabo L.
Head of Risk
"An absolute game-changer for our automated onboarding flow."
Anna P.
Ops Manager
Effortless statement collection
Upload PDFs, link your banking API, or integrate directly with your CRM. We handle the heavy lifting of secure, encrypted data collection.
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Unlock data trapped in PDFs
Our proprietary engine instantly converts unstructured PDF statements into clean, structured, and queryable data points.
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Identify patterns, not just numbers
Go deeper with AI that flags returned debit orders, gambling exposure, and salary patterns to provide a true picture of financial health.
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Automated, reliable affordability
Receive a real-time affordability score and detailed risk report, enabling your team to make confident decisions in seconds.
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Intelligence designed for your workflow
Eliminate credit decision lag.
Automated Income Analysis
Move past static paystubs. We analyze real-time transaction history to establish a granular, verified income baseline.
Behavioral Risk Scoring
Quantify 'willingness to pay' by identifying recurring financial red flags, such as gambling exposure and excessive debt-to-income ratios.
Ready to automate your financial vetting?
Stop gambling on manual processes. Join the South African businesses already using Sorae to make instant, data-driven decisions.
See Sorae in action
Schedule a 15-minute walkthrough with our team to see how your specific workflow can be automated today.
Request your demo →