LiveLedger

For lenders, brokers & fintechs in AU + NZ

Bank statements in minutes, not days

Stop chasing PDFs. Send one link and receive complete, categorised statement data with a responsible-lending affordability report — with your applicant's consent, every time.

Start free — no setup feeSee pricing
✓160+ institutions✓Credentials never stored✓CDR-ready

Statement requests

Today

+ New request
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12

Ready

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4

Waiting

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2

Review

ATAva ThompsonLL-2048Ready
MNMarcus NguyenLL-2047Waiting
SBSophie BennettLL-2046Ready

Analysis complete

Monthly income

$7,840

Surplus

$2,146

Housing
Living
Credit
✓Report ready in 2m 14s

Coverage across 160+ Australian & NZ institutions

ANZCommonwealth BankNABWestpacMacquarieINGBankwestSuncorpBendigo BankBOQSt.GeorgeGreat Southern BankBeyond BankHeritageNewcastle PermanentPeople's ChoiceIMBRACQ Bank+ 140 more

How it works

From application to assessment in one link

1

Create a request link

Pick the statement period and get a unique link for your business.

2

Send it to your applicant

SMS, email, or embed it in your application form.

3

They connect their bank

A guided, mobile-friendly flow. Credentials are never stored.

4

Get decision-ready data

Statements, categorised data and an affordability report in minutes.

The report

Everything a credit assessor needs, on one page

Every submission produces verified income sources with detected pay cycles, monthly living expenses by category, merchant-level spending patterns, and coded decision metrics your systems can consume directly.

  • ✓Risk flags for gambling, dishonours, BNPL and existing credit
  • ✓Days-in-negative and end-of-day balance analysis
  • ✓Expected next pay date, projected from real deposits
  • ✓Print-ready report, CSV, JSON and webhook delivery
See it with sample data

Affordability report

90 days · 3 accounts · 223 transactions

PDF · CSV · JSON
LL-HB001Salary & wages — monthly$6,887
LL-CF001Income frequencyFortnightly (Thu)
LL-CF005Gambling % of income2.1%
LL-AP001Days in negative0

1 item to review

Recurring buy-now-pay-later payments detected.

Monthly outgoings$5,694
■ Housing■ Living■ Credit■ Discretionary

Platform

Built for credit decisions

160+ institutions

Banks, mutuals, credit unions and card providers across Australia & New Zealand.

Affordability reports

Income verification, living expenses and risk flags, built for responsible-lending workflows.

Raw data & API

JSON and CSV exports, a partner API and HMAC-signed webhooks for straight-through processing.

Team access

Invite your credit team, control roles, and keep every retrieval in one place.

Open-banking ready

Flip any institution to Consumer Data Right feeds with zero integration changes on your side.

Simple pricing

No setup fee, low monthly cost, pay per submission. Cancel any time.

Security

Consent-based by design

Credentials never stored

Login details exist only in memory for the life of a retrieval session, then they're gone.

Delivered to one party

Statement data goes only to the organisation the applicant authorised. Every delivery is logged.

The applicant stays in control

Explicit consent up front, security challenges answered live by the applicant, never bypassed.

Try it with sample data in the next five minutes

Create your organisation, send yourself a request link, and see the full affordability report — free, no setup fee, no lock-in.

Create your account