Bank Statement Liquidity Analyzer
Turns a stack of statements into verified liquidity and a list of what still has to clear
Install it in one line — paste a single command into Claude, ChatGPT or Cursor and it writes the skill into your project.
Free, and about thirty seconds: a work email and a six-digit code.
Downloading shares your name, firm, role, and email with The Helvetica Group. That introduction is what keeps every skill here free.
What this skill does
Finds out how much of the borrower's stated cash actually counts. Rebuilds liquidity account by account, separates money that can fund the closing from money that only counts as reserves, and lists exactly what the borrower must send to close the gap.
What it does
- Checks every statement is complete, current and genuinely from the bank before counting a dollar
- Applies haircuts to brokerage and retirement accounts and keeps cash to close separate from reserves
- Flags large deposits that need a source and backs them out until they are explained
- Catches ownership problems: joint accounts with a non-borrowing spouse, other companies' accounts, third-party money
- Notes signs a statement may have been altered and recommends verifying directly with the bank
- Shows what the borrower has verified today and what they will have once each condition clears
When to use it
- Statements arrive on any bridge, flip, rental or construction file
- Before issuing a clear-to-close
- A borrower's stated liquidity looks too good or too convenient
- A deposit shows up that nobody has explained
What to have ready
- The bank, brokerage or retirement statements
- The borrower and guarantor names
- The cash needed to close
- Your reserve rule and asset policy, if you have them
How to use it
- Download it with the button above. You'll sign in with a work email — that's how the creator knows who is using their skill.
- Copy the install prompt from the "Run it in Claude" box, and paste it into Claude along with the file. Claude installs the skill, fills in your firm's details where the file has
[BRACKETED]placeholders, and runs a quick test with you. - Then just ask in plain English. Claude picks the skill up on its own when a request matches it. Anything it still needs, it asks you for — it won't invent a number.
"Here are two months of statements for [GUARANTOR NAME] on the [CITY] flip. Cash to close is [AMOUNT] and we need six months of interest in reserves. What counts and what do we still need?"
What you get back
A pass, pass-with-conditions or short result, an account-by-account schedule, the deposits that need sourcing, statement problems, verification flags, and a conditions list ready to paste into the needs list.
Good to know
- Output quality tracks input quality. A missing figure is flagged as missing — it is never estimated to fill a gap.
- Every draft is a starting point for your own review, not a finished decision.
- Runs anywhere Claude does: the Claude app, Claude Desktop, or Claude Code.
- Any threshold you don't supply is labelled as a default, account numbers are shown by their last four digits only, and nothing is sent to the borrower or the bank for you.
Legal disclaimer
This skill drafts; it does not decide. Its output is not legal, tax, accounting, appraisal, or investment advice, and using it creates no attorney-client, fiduciary, or advisory relationship. Nothing it produces is a commitment to lend or an offer to sell a security. Verify every number, date, citation, and conclusion against the source documents, and have a qualified professional licensed in the relevant jurisdiction review the work before you rely on it or send it to a borrower, investor, counterparty, or regulator. Laws, rates, and market data change. The final work product is yours.
Inside this skill
The actual file you get. Members can read it in full before saving it.
Bank Statement Liquidity Analyzer
"Borrower shows $250K liquid" is the most repeated and least verified sentence in private lending. The number on the application is almost never the number that survives underwriting: part of it sits in a joint account with a non-borrowing spouse, part of it arrived by wire eleven days ago from an unexplained source, part of it is a 401(k) that cannot fund a closing, and one statement is missing page 3. This skill rebuilds liquidity the way a careful underwriter does — account by account, dollar by dollar — and tells the user exactly what it takes to clear the gap.
Works for bridge, fix-and-flip, ground-up construction, DSCR rental, land, and small-balance commercial files, for individual guarantors and borrowing entities.
Step 1 — Intake
| Input | Required? | Notes |
|---|---|---|
| Statements | ✅ | Bank, brokerage, retirement, or other asset statements — PDFs, a pasted summary, or an aggregator report. Note how many months per account |
| Borrower and guarantor names | ✅ | Exact legal names of the borrowing entity and each guarantor, to test ownership |
| Cash required to close | ✅ | Down payment + closing costs + prepaid interest/escrows, from the settlement estimate or sizing sheet |
| Reserve requirement | ✅ | The program rule, e.g. "6 months of interest" or "10% of loan amount." If not given, ask — do not assume |
| Lender's asset policy | Helpful | Seasoning period, large-deposit definition, haircuts, statement age, whether gifts, crypto or other-entity accounts count. If none, use Step 3 defaults and label them |
| Ownership docs for entity accounts | Helpful | Operating agreement or ownership chart, to prove the guarantor controls a business account |
| Earnest money evidence | Helpful | Cleared EMD counts toward cash to close; an uncleared check does not |
| Other pending closings | Helpful | Funds committed to another purchase are not available for this one |
Minimum viable: the statements plus a cash-to-close figure. Without a reserve rule, compute liquidity and cash-to-close coverage only, and mark reserves "requirement unknown."
Step 2 — Check each statement is usable before reading a number
A statement that will not clear is worth $0 until it is replaced. Check every one:
| Check | What fails it |
|---|
Reading the full skill counts as a download. The contributor receives your name, company, and email.
Ratings & reviews
No written reviews yet. If you run this on a live file, say how it went. The next lender reading this page is deciding whether to trust it.
Examination record
Run it in Claude
- Copy the install command above
- Paste it into Claude, ChatGPT or Cursor
- It writes the skill in, fills in your firm’s details, and test-runs it with you
Prefer the file? The prompt above is for a package you already downloaded.
Details
More from The Helvetica Group
They publish here under a verified work email. Their other skills, and how to reach them, are on their contributor page.