The debt-consolidation module
CourtImmo debt-consolidation module automates the heaviest part of the job: reading dozens of bank statements, spotting hidden debts, computing the real debt ratio and producing a complete, bank-ready file.
The problem
- Files of 60 documents and more, slow to analyze by hand
- Forgotten revolving credit or overdrafts that distort the debt ratio
- Risk of bank rejection for an incomplete file
What the module does
Statement reading and categorization
PDF or image statements are read and categorized automatically by multimodal models, with no manual entry.
Hidden-debt detection
Recurring flows are analyzed to flag revolving credit, structural overdrafts and undeclared commitments.
Debt-ratio computation
The real debt ratio is computed from consolidated data, to make the feasibility analysis reliable.
Bank-ready file
The consolidation file is formatted to the lender expectations, reducing rejections for completeness.
Concrete results
Frequently asked questions
Does the module handle mortgage-backed consolidations?
Yes. The file adapts whether or not the operation includes a property as collateral, with the expected documents in each case.
Who is this module for?
For any broker handling consolidation, and especially RAC specialist firms. See the dedicated specialist page.
See this module on your files
Book a demo and try CourtImmo in real conditions.
