> ## Documentation Index
> Fetch the complete documentation index at: https://docs.truv.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Transactions for Lending

> Cash flow analysis and bank data for lending decisions

Analyze transaction-level bank data for cash flow underwriting and alternative credit assessment. Connect directly to the borrower's bank through [Truv Bridge](/developers/sdks/overview) for a detailed view of income deposits, spending behavior, and balance trends.

<Tip>
  **Try the demo** -- Run the [Bank Income demo](/credit/integration/bank-income) to see bank transaction-based income verification. [Clone the demo app ->](https://github.com/truvhq/demo-apps)
</Tip>

***

## Benefits

<CardGroup cols={2}>
  <Card title="Cash Flow Underwriting" icon="chart-line">Real transaction data for repayment capacity</Card>
  <Card title="Alternative Credit" icon="user-plus">Extend credit to thin-file and underserved borrowers</Card>
  <Card title="Income Detection" icon="magnifying-glass-dollar">Identify recurring deposits without payroll connection</Card>
  <Card title="Up to 2 Years" icon="calendar">30-730 days of transaction history, configurable per request</Card>
</CardGroup>

***

## What you get

<CardGroup cols={2}>
  <Card title="Transaction Data" icon="receipt">
    * Individual transactions with date, description, amount, and type
    * Recurring deposit identification
    * Expense categorization
  </Card>

  <Card title="Account Details" icon="building-columns">
    * Account type (checking, savings)
    * Verified account holder
    * Current and available balances
    * Routing and masked account number
  </Card>

  <Card title="Cash Flow Analysis" icon="chart-line">
    * Net cash flow trends
    * Balance history
    * Recurring income patterns
    * Spending behavior
  </Card>
</CardGroup>

***

## Use cases

<AccordionGroup>
  <Accordion title="Cash flow underwriting" icon="chart-line">
    Analyze real transaction data to assess repayment capacity. Particularly effective for borrowers whose income is not easily captured by traditional pay stubs.
  </Accordion>

  <Accordion title="Bank-based income verification" icon="building-columns">
    Identify recurring deposits to estimate income when payroll-based verification is not available, such as for self-employed or gig-economy workers.
  </Accordion>

  <Accordion title="Alternative credit assessment" icon="magnifying-glass-chart">
    Build a financial profile from transaction data for borrowers with thin credit files or limited credit history.
  </Accordion>

  <Accordion title="Thin-file lending" icon="file-circle-plus">
    Extend credit to underserved populations by supplementing traditional credit data with bank transaction insights.
  </Accordion>
</AccordionGroup>

***

## Data coverage

### Financial Institutions

Truv connects to major banks and credit unions:

| Institution Type | Examples                                  |
| ---------------- | ----------------------------------------- |
| National banks   | Chase, Bank of America, Wells Fargo, Citi |
| Regional banks   | PNC, US Bank, TD Bank                     |
| Credit unions    | Navy Federal, State Employees CU          |
| Online banks     | Ally, Marcus, Discover                    |
| Neobanks         | Chime, Current, Varo                      |

***

## How to implement

| Path                                           | Code required | Best for                              |
| ---------------------------------------------- | ------------- | ------------------------------------- |
| [Bank Income](/credit/integration/bank-income) | Minimal       | Transaction-based income verification |
| [Truv Dashboard](/developers/dashboard)        | None          | Manual orders, pilot testing          |
| [API Reference](/api-reference)                | Custom        | Full API control                      |

***

## Report structure

### API Response

```json theme={null}
{
  "count": 2,
  "accounts": [
    {
      "id": "24d7e80942ce4ad58a93f70ce4115f5c",
      "type": "CHECKING",
      "subtype": null,
      "mask": "1234",
      "nickname": "Primary Checking",
      "balances": {
        "currency_code": "USD",
        "balance": "4500.00",
        "available_balance": "4200.00",
        "credit_limit": null
      }
    }
  ],
  "transactions": [
    {
      "id": "tx_a1b2c3d4",
      "account_id": "24d7e80942ce4ad58a93f70ce4115f5c",
      "amount": "2650.00",
      "currency_code": "USD",
      "description": "DIRECT DEPOSIT - ACME CORP",
      "status": "POSTED",
      "type": "CREDIT",
      "posted_at": "2024-01-15T14:00:00Z",
      "transacted_at": "2024-01-15T10:30:00Z",
      "categories": ["Transfer", "Payroll"],
      "is_direct_deposit": true
    },
    {
      "id": "tx_e5f6a7b8",
      "account_id": "24d7e80942ce4ad58a93f70ce4115f5c",
      "amount": "1800.00",
      "currency_code": "USD",
      "description": "RENT PAYMENT",
      "status": "POSTED",
      "type": "DEBIT",
      "posted_at": "2024-01-12T10:00:00Z",
      "transacted_at": "2024-01-12T10:00:00Z",
      "categories": ["Home", "Rent"]
    }
  ]
}
```

***

## API reference

<CardGroup cols={2}>
  <Card title="Bridge Token" icon="key" href="/api-reference/bridge-token/object">Create tokens for Truv Bridge</Card>
  <Card title="Balances" icon="scale-balanced" href="/api-reference/balances/object">Account balance data</Card>
  <Card title="Accounts" icon="building-columns" href="/api-reference/balances/object">Financial account details</Card>
  <Card title="Users" icon="user" href="/api-reference/users/object">Create and manage users</Card>
</CardGroup>

***

## Best practices

<AccordionGroup>
  <Accordion title="Configure transaction history depth" icon="calendar">
    Truv supports 30 to 730 days of transaction history. Set `days_requested` when creating the report to control how much data you receive. 60 days is the default. Check the `days_available` field on each account to see how much history was returned.
  </Accordion>

  <Accordion title="Focus on recurring deposits" icon="money-bill-wave">
    Filter for recurring deposits to estimate stable income, especially for borrowers with irregular pay schedules.
  </Accordion>

  <Accordion title="Combine with payroll verification" icon="layer-group">
    Bank Aggregation works best alongside Income & Employment verification. Use payroll data as the primary income source and bank data for supplementary analysis.
  </Accordion>
</AccordionGroup>

***

## Next steps

<CardGroup cols={2}>
  <Card title="Bank Income" icon="building-columns" href="/credit/integration/bank-income">
    Full implementation walkthrough
  </Card>

  <Card title="Income & Employment" icon="money-bill-trend-up" href="/credit/products/income-employment">
    Payroll-based income data
  </Card>
</CardGroup>