See through
Specter reads bank statements the moment they land, checks every number and every edit, and tells you what has been changed before anyone signs off.
intakeWaiting for a statement
Any format: PDF, photo, scan or CSV
400 Harbor Boulevard, Suite 200
Long Beach, CA 90802
- Business Checking Statement
- Statement date
- April 2, 2026
- Period
- Mar 1 – Mar 31, 2026
Harbor Line Logistics LLC
1180 Pier Avenue
Long Beach, CA 90813
Account summary
Transaction detail
Drop a statement in
PDFJPGHEICTIFFCSV
Click the page to see all of it as Specter does
One pipeline. Six steps, every file.
From the moment a file lands to the moment someone decides on it, Specter runs the same steps in the same order. A three-page statement takes 4.8 seconds.
Any file, any format, including types you define
See it in detailPhotos, scans and PDFs read character by character
See it in detailEvery line turned into named, typed fields
Edits, swapped fonts and math that doesn't carry
See it in detailCash flow, balances, positions and returned items
See it in detailOne explained score, sent where you work
See it in detail
harbor-line-march-2026.pdffrom Dana Ruiz
Dana RuizNew
March statements + ID
Hi, attached are our March statements and my license for the application. Let me know if you need anything else.
Broker portal
New upload: Riverside Freight, Q1 export
Marco Chen
Fwd: bank statements (photos)
- 1BusinessHarbor Line Logistics LLC
- 2Account•••• •••• 4471
- 3PeriodMarch 2026
- 4Deposits$46,020.70
- 5Withdrawals$13,602.40
- 6Ending balance$54,803.42
- TamperingEdited after issueRe-saved in a PDF editor on Apr 9
- TamperingFont swapThe $20,000.00 wire is set in Georgia
- TamperingBalance doesn’t carryOff by $4,180.00
- WarningOpen positionFundCo Capital, $1,150 every day
- Revenue
- $26,020.70
- Owner wire left out
- To funders
- $24,150/mo
- FundCo, daily
- Avg daily balance
- $41,906
- No negative days
- Returned items
- 1
- NSF on Mar 19
- Edited after issue+30
- Balance doesn't carry+24
- Font swap on a deposit+20
- Open position+6
- Returned item+2
Beginning balance$18,240.12
Deposits and credits$46,020.704
Withdrawals and debits-$13,602.405
Fees-$35.00
Ending balance$54,803.426
DateDescriptionAmount
03/03Stripe payout ST-882136,412.50
03/05Shell fuel #2214 Long Beach−312.40
03/07ACH credit Riverside Freight12,500.00
03/09FundCo Capital daily debit−1,150.0003/10FundCo Capital daily debit−1,150.0003/11FundCo Capital daily debit−1,150.0003/13Payroll Gusto 0313−9,840.00
03/14Incoming wire owner transfer20,000.00
03/19Returned item fee (NSF)−35.0003/24Stripe payout ST-904777,108.20
- Straightened 4°
- Glare removed
- 214 words read
- 99.2% confidence
1Intake
1Intake
Send it however it comes. It all reads the same.
A bank PDF, a photo taken on a desk, a fax of a fax, a forwarded email. Specter straightens, cleans and reads each one into the same structured record.
- Bank PDFharbor-line-march.pdf
- Phone photoIMG_4471.HEIC
- Scanned copyscan_0042.tiff
- Email attachmentFwd: March statements
- CSV exporttransactions.csv
Add your own document types.
Specter already reads 23 kinds of documents lenders ask for. For anything else, name the type, list the fields you want, and show it one example. Every file of that type after it is read the same way.
2OCR
Reads what a camera caught. Even the smudges.
Merchants send photos taken on a desk and scans of scans. Specter cleans the image up, reads it character by character, and double-checks anything it is not sure of.
- 03/13GUSTOPAYROLL0313NET-9,840.0099.6%
- 03/14INCOMINGWIREREF77812OWNER2O,OOO.OO20,000.0099.1%Read the letter O for zeros. The running balance only works with 20,000.00, so that is what Specter kept.
- 03/19RETURNEDITEMFEENSF-35.0099.8%
- 03/24STRIPETRANSFERST-90477PPD7,108.2099.4%
- Straightened, de-skewed and de-glared before reading
- Every character scored for confidence
- Doubtful characters checked against the math
4Fraud detection
Catches what was changed. And shows you the proof.
Every file is checked for edits after issue, swapped fonts and math that does not carry. Each finding comes with the evidence, so nobody has to take the flag on faith.
The file
- No pasted layers
- All pages present
The math
- Summary matches the lines
- Deposit count matches
- Dates in order, none missing
The business
- Deposits look organic
- Holder matches the application
4 failed2 to review7 passed
Running checks
5Analysis
What the money says. Six months at a glance.
Revenue, balances and what is already going out to other funders, worked out from the statements, with owner transfers kept out so nothing looks bigger than it is.
- Average monthly revenue
- $27,103.00Steady, within 6% month to month
- Average daily balance
- $41,906No negative days in March
- Paid to funders
- $24,150 a monthFundCo Capital, $1,150 every business day
- Returned items
- 1NSF fee on Mar 19
6Score and deliver
A score that shows its work. Sent anywhere.
Every finding carries its weight, so you can see why a file scored 82, not just that it did. The result lands on the deal in Specter and in your own systems as structured data.
- Edited after issue+30
- Balance doesn't carry+24
- Font swap on a deposit+20
- Open position+6
- Returned item+2
Hold for review. Ask the merchant for statements sent straight from the bank.
{ "document": "harbor-line-march-2026.pdf", "business": "Harbor Line Logistics LLC", "period": "2026-03", "risk": { "score": 82, "level": "high" }, "flags": [ "edited_after_issue", "font_mismatch", "balance_mismatch" ], "positions": [ { "funder": "FundCo Capital", "daily": 1150 } ], "deposits": 46020.7, "nsf": 1 }