Product
Bank statement intelligence for South African lenders.
Sorae parses PDF bank statements and returns a structured affordability report in seconds. No manual capture. No spreadsheets. No guesswork.
Supported banks
CapitecStandard BankABSAFNBNedbankWhat Sorae does
Everything you need to assess affordability.
Bank Statement Parsing
Upload any PDF bank statement. Sorae extracts and structures every transaction automatically — no templates, no manual data entry.
Affordability Scoring
Verified monthly income, total expenses, disposable income, and a recommended maximum installment. NCR-aligned, ready for credit decisions.
Risk Intelligence
Twelve behavioural signals including returned debits, gambling activity, overdraft reliance, payday loan detection, and cash withdrawal patterns.
Instant Reports
A structured, printable report in seconds. Share with your team, attach to a loan file, or consume it programmatically via the API.
How it works
From PDF to decision in seconds.
01
Upload the statement
Staff uploads a PDF via the dashboard, or your system sends it via the API. Sorae accepts any branch-issued PDF statement.
02
Sorae processes
Transactions are parsed, income is verified, expenses categorised, and 12 risk signals evaluated — all in seconds.
03
Read the report
A structured report is returned with an affordability grade, income breakdown, expense analysis, and flag detail. Make your decision.
Two ways to use Sorae
Tool or infrastructure — your choice.
Sorae as a tool
Manual upload workflow
Staff logs in, uploads a statement, reads the report, and makes a decision. No integration needed. Works the day you sign up.
Sorae as infrastructure
API integration
Your system sends statements to the API automatically. Decisions are assisted or automated. Built for volume.
POPIA Compliant
Original statement files and raw transaction data are never stored. Processing happens in-memory and documents are discarded immediately after analysis.
Ready to start?
Create a free account and run your first analysis in minutes. No credit card required to get started.