Bank statement in.
Verdict out. Under 60 seconds.

No manual reading. No spreadsheets. No gut feel. PropCheck reads the statement for you and flags red flags such as payday loans, declining balances and bounced debit orders, with the evidence, before you sign anyone in.

See a Live Report Get Started

Four steps. Under a minute.

Works on any South African bank statement PDF: FNB, Capitec, Standard Bank, ABSA, Nedbank, TymeBank, and more.
1
Upload
You upload the bank statement PDF
Your applicant sends you their bank statement. Most SA banks generate a PDF from their app. You upload it to PropCheck. Password-protected statements are handled automatically: PropCheck tries common patterns first, and if it can’t unlock it, prompts you for the password.
Works on 3-month and 6-month statements from all major SA banks
Password-protected PDFs supported (common patterns tried automatically)
The PDF file itself never leaves your browser. Parsing happens locally
2
Parse
PropCheck extracts the financial data
The PDF text is extracted in your browser and sent (as text only, not the file) to PropCheck's AI. It picks out the transactions that matter: salary credits, debit orders, ATM withdrawals, cash deposits, loan payments. It also pulls the closing balance for each month.
Income transactions identified by pattern (recurring, employer-consistent)
Every debit order logged, including financial institution names
Month-by-month closing balance extracted for trend analysis
3
Analyse
AI runs the full risk assessment
Claude (Anthropic's AI) runs the extracted data through PropCheck's screening model. It calculates affordability, checks for red flags, and builds a ranked risk signal list, from highest severity to lowest. Each flag gets a plain-English explanation with the actual numbers from the statement.
Income stability: salary consistency, employer patterns, month-over-month variance
Affordability: income-to-rent ratio vs. 30/35/40% thresholds
Red flags: payday loans, bounced debit orders, gambling transactions, declining balance trend, unusual cash activity
Red flags: ID number format check, irregular income, bounced debit orders, payday loans, gambling
4
Report
You get the full report with a verdict
The report arrives in under 60 seconds: a risk score (0–100), the APPROVE / REVIEW / DECLINE verdict, and a full breakdown of every finding. You can share it via WhatsApp, print it, generate a lease, or log the outcome once the tenant is placed.
Risk score 0–100 (LOW / MEDIUM / HIGH) with bar visualization
APPROVE / REVIEW / DECLINE verdict with full AI reasoning
Share the report via WhatsApp to a landlord or colleague in one tap
Log the outcome later: did the approved tenant actually pay? PropCheck tracks it.

What PropCheck checks

Every report covers these eight areas. Each flag includes the specific finding and the numbers from the statement, not a vague warning.
Income Verification
Consistent salary credits identified, net income calculated month-by-month, employer pattern checked.
Affordability Check
Rent as % of net income. 30/35/40% rent-to-income thresholds. Income cover ratio (recommended ≥2.5×).
Payday Loans
Spots repayments to short-term and payday lenders, by lender name and by transaction pattern.
Bounced Debit Orders
Every NSF (non-sufficient funds) return and failed debit: the most reliable predictor of a future tenant problem.
Balance Trend
Closing balance tracked month-by-month. A declining trend (income stable, balance falling) is a significant warning sign.
Gambling Detection
Identifies transactions from known betting platforms and irregular gambling-pattern withdrawals.
SA ID Format Check
Luhn checksum on the SA ID number you enter. Catches mistyped or invalid ID numbers. It is a format check, not a Home Affairs verification.
Red Flag Scan
Bounced debit orders, payday loans, gambling, debt collectors and irregular income, each with the transaction behind it. PropCheck does not check whether a statement is genuine.

What PropCheck sees that you’d miss

Even a careful manual reviewer misses things. PropCheck doesn’t get tired on page 3.
Manual Review
By hand: 30-45 minutes per statement
Sees income on page 1
Can read employer name
Payday loans buried on page 3
Declining balance trend (needs 3-month math)
Gambling transactions (scattered, hard to spot)
SA ID checksum validation
PropCheck
AI: about a minute for a standard 3-month statement
Sees income on page 1
Salary pattern checked across the months in the statement
Payday loans flagged by name + pattern
Closing balance trend calculated automatically
Gambling transactions flagged
SA ID checksum run on every ID number you enter

Privacy by design, not privacy as marketing

Your applicants’ financial data is sensitive. PropCheck’s architecture reflects that. The bank statement PDF is parsed locally in your browser. The file never touches our servers. What’s sent for AI analysis is extracted text only.
PDF parsed in your browser
File never uploaded anywhere
Built for POPIA
Consent recorded, data deleted on request
Private to your company
Reports visible only to your account
SA ID format check
Checksum on every ID number you enter. Not a Home Affairs check.

Common questions

Does PropCheck replace TPN?

No. They answer different questions. TPN tells you what a tenant's payment history looked like across previous landlords (a backward-looking credit record). PropCheck tells you what their finances look like right now: live bank balance, active payday loans, current affordability. A tenant can have a clean TPN record and be maxed out on debt today. The two tools are complementary, not alternatives.

What about PayProp?

PayProp is a rent collection and trust accounting platform. It manages money after the lease is signed. PropCheck screens the applicant before you sign. They’re entirely different tools serving different moments in the rental process.

How does PropCheck unlock password-protected PDFs?

Most SA banks use a standard pattern for statement passwords (usually a combination of the account holder's ID number and date of birth). PropCheck tries the common patterns automatically. If none work, it prompts you to enter the password, which you can get from your applicant. The unlocking happens entirely in your browser.

PropCheck gives an APPROVE recommendation. Do I have to follow it?

No. The APPROVE / REVIEW / DECLINE verdict is advisory. PropCheck gives you the data and a recommendation, and you make the final call. PropCheck does not make tenancy decisions on your behalf. You remain solely responsible for who you place.

How long does a screening take?

Under 60 seconds from upload to verdict, for a standard 3-month statement. Longer statements or more complex analysis may take slightly longer.

Now watch it happen.
On a real statement.
Same process you just read, running on an actual bank statement. Full risk score and breakdown, no account needed.
See Live Demo Report Get Started
No sign-up for the demo
Activated same day
From R149/screening