Release Notes

In this release, Ocrolus delivers deeper underwriting intelligence across SMB, Mortgage, and the API. The SMB Dashboard has been redesigned into a unified experience, with Business Profile now offering consolidated Accounts and Transactions views. The SMB how-to video library has been refreshed with new Detect and Encore sections. Mortgage gains trend-aware income calculations for Capital Gains and Interest/Dividend, expanded Dynamic Mapping, and richer Encompass workflows including an enhanced classification email and Detect in the embedded viewer. The BSIC spreadsheet adds a new Recurring Expenses section with updated cell addresses, rental income calculators now display gross and net income separately, and wage earner calculators gain an Override Number of Months toggle. Analytics endpoints now support async processing for large Books. Classify and Capture adds three new documents, I-20, Employment Agreement, and Merchant Cash Advance Contract, alongside expanded attribute support and new Classify-only forms. Detect responses now include signal context and bounding box coordinates, and the Book Summary API exposes period-level reconciliation fields. The doc site now includes a full Product SKU Reference.

What's new?

SMB

Accounts and Transactions in Business Profile

Business Profile now includes Accounts and Transactions views, giving underwriters and credit teams a single, deduplicated picture of a merchant's banking activity, cash flow, and transaction history across every Book their organization has submitted.

• Consolidated accounts table: View every bank account associated with a merchant across all Books, with starting and ending balances, average daily balance, average transaction size, negative-balance days, and deposit and withdrawal totals. Each account expands to a period-by-period breakdown.
• Cash flow charts: Revenue vs expense and Balance history charts support Daily, Weekly and Monthly views, plot multiple accounts together, and clearly mark periods with no statement data.
• Business summary panel: See aggregated average revenue, expenses, daily balance, loan payments, debt coverage ratio, NSF activity and overdrafts, alongside top revenue and expense counterparties and a business-level NAICS industry override.
• Deduplicated transaction history: Review enriched transactions across all Books, including private Books, in one searchable, filterable list with tags, counterparties, comments and bulk actions. Overlapping statement periods are reconciled so each transaction appears once and tags reflect your organization's latest customizations.

The same data is available programmatically through the Business History API. To lear more, see the Business Transactions and Business Summary endpoints.

Dashboard redesign

A merchant's complete cash flow picture, covering debt, revenue, industry, and accounts, now lives in a single unified experience. Lenders can move more efficiently from application to decision without toggling between views. The following enhancements are included in this release:

• Book overview: Review a borrower's debt obligations, revenue concentration, industry classification, and bank accounts from one page. Click any metric to open the transactions or accounts behind it. To learn more, see the Book overview guide.
• Transactions: Use multi-condition filters and transaction-type tabs to reach the records that matter without scanning the full table. Available across the Dashboard. To learn more, see the Transactions section guide.
• Account summary: Account data is now organized into statement periods, so metrics and filters stay accurate even when a borrower's statements skip a month. To learn more, see the Accounts section guide.
• Revenue formula: The default formula is now clearly displayed and easier to edit. To learn more, see the Revenue formula guide.
• Tag management: System tags and custom tags now live in one place, so you can find, create, and adjust tags without losing your place. To learn more, see the Tag management guide.

How-to videos

The SMB how-to video library has been refreshed with new recordings across all sections. The following two new sections have also been added:

• Detect: New section covering how to identify document tampering and interpret authenticity signals in SMB workflows
• Encore: New section covering how to share and receive Books with lending partners through permissioned, workflow-native sharing

The SMB and Mortgage how-to video pages have been refreshed with an improved look and feel. Existing videos have been updated with new recordings, and the previously separate rename and delete Book videos have been consolidated into a single video.

To learn more, see the SMB how-to-videos page.

Analyze

Async analytics

Analytics endpoints now support asynchronous processing. Add async=true to any supported analytics endpoint to run the request as a background job and receive a job_id immediately instead of waiting for the full response inline. The result payload is identical to the synchronous response, delivered via a temporary download URL. Async mode is required for Books with more than 100,000 transactions. Books exceeding 1,000,000 transactions are rejected with 422 (error code 1100).

This query parameter is available for the following endpoints:

• Book summary analytics - JSON
• Cash flow features
• Enriched transactions
• Cash flow risk score
• Lender analytics (Excel)

New job async job status endpoint

A new endpoint GET /v2/analytics/jobs/{job_id} is available to check the progress and retrieve the result of an async analytics job. After submitting a request with async=true, poll this endpoint every few seconds until the job reaches a terminal state. When the status is DONE, the response includes a result_url, a temporary pre-signed download link to retrieve the analytics payload. When the status is FAILED, the response includes an error field describing the reason. The job and its result_url expire 24 hours after creation.

To learn more, see the Async job status API reference page.

Classify and Capture

New Classify and Capture supported document

The Classify and Capture supports are enabled for the following newly onboarded document:

Identification

• I-20 (Certificate of Eligibility for Nonimmigrant Student Status)

Income/employment

• Employment Agreement

Other

• Merchant Cash Advance Contract

To learn more, see the All Supported Documents page.

Global

Product SKU reference

The Ocrolus product SKU reference is now on the doc site. It covers every product available across the platform, Core, SMB, Mortgage, and Consumer, with descriptions, units of measure, and applicable verticals. To learn more, see the Product SKU reference page.

Classify-only

New Classify supported document

The Classify supports are enabled for the following newly onboarded documents:

To learn more, see the All Supported Documents page.

Enhancements

Analyze

Period-level reconciliation fields in Book Summary API

The Book Summary API now exposes reconciliation information at the statement period level. The following fields have been added to each periods[] object:

When reconciled is true, recon_error_absolute_amount is null or 0 and all other recon fields are null. When reconciled is false, recon_error_absolute_amount is populated and remaining recon fields are populated where available. Reconciliation values are consistent with the transactions endpoint. Existing periods[] fields remain unchanged.

To learn more, see the Book summary API ref page.

Tag constants updated in Analytics 1.08

Analytics 1.08 is now available with updated tag constants for improved data consistency and standardization.

Detect

Signal context and bounding box coordinates

Detect's API response now includes richer signal-level detail, giving clients more context on every signal returned with no integration changes required on existing endpoints. Every signal now includes signal_type, which classifies the signal as RISK, INFO, or TRUST so clients can distinguish fraud risk indicators from contextual signals programmatically, and description, a plain-language explanation of what was flagged and why, ready to display in your own application without a separate lookup. Tampering and content signals also now include bounding box (bbox) coordinates, so clients can pinpoint exactly where on the document an edit was detected rather than only knowing a signal fired somewhere in the document.

These new fields are available on the following endpoints:

• GET /v2/detect/book/{book_uuid}signals
• GET /v2/detect/uploaded_doc/{uploaded_doc_uuid}/signals

To learn more, see the Book-level fraud signal and Document-level fraud signal API doc pages.

Mortgage

BSIC - cell address update

A new Recurring Expenses section has been added to the Bank Statement Income Calculator (BSIC) spreadsheet and now accessible via RECURRING_EXPENSE_ADDRESS. This enhancement gives you deeper visibility into recurring expense data as part of the income calculation workflow. However, this addition has caused a downward shift for several existing output cell addresses. If your integration references BSIC cell addresses programmatically, you must update those references to reflect the latest values.

Update all affected constant references in your integration to the latest cell addresses. Refer to the latest BSIC spreadsheet for the exact updated values. For questions or help updating your integration, contact your Ocrolus account team or reach out at [email protected].

Migration Example

    EXPENSE_FACTOR_TYPE_ADDRESS = "F19"
    NSF_ADDRESS = "G18"

    EXPENSE_FACTOR_TYPE_ADDRESS = "F22"
    NSF_ADDRESS = "G31"

Capital Gains and Interest/Dividend income - trend-aware calculation

Ocrolus Analyze now applies trend-aware logic when calculating Capital Gains (Schedule D) and Interest/Dividend (Schedule B) income.

• If the most recent year's income is $0, the system recommends $0, no 2-year averaging is applied
• If income is declining year-over-year, the most recent year's figure is used instead of the 2-year average
• The 2-year average is retained only when income is stable or increasing

A new alert now prompts underwriters to document continuance of the underlying asset for a minimum of 3 years, per Fannie Mae guidelines, whenever either income type is used in qualification.

To learn more, see the Self-employed income calculation and Other income calculation.

Dynamic mapping - new fields supported

Dynamic mapping now automatically populates the following additional fields into Encompass, eliminating the need for manual entry after classification:

Encompass: enhanced classification success email

The classification success email now provides a detailed breakdown of what was processed. This gives you visibility into your submissions without having to leave Encompass or check the eFolder manually. The updated email includes the total document count, the eFolder Document Containers where documents were indexed, and the full attachment name for each classified document. Multi-page document sets are grouped into a single line item.

The sender name now displays as Ocrolus, and one consolidated email is sent per loan after all documents have completed processing. This update applies automatically to all organizations configured to receive classification notification emails.

To learn more, see the Classify section.

Rental income calculator: gross and net income displayed separately

The tental income calculator now displays two distinct fields for each property: Gross Monthly Rental Income and Net Monthly Qualifying Income. Previously, only a single net figure was shown with no visibility into how it was derived. The net figure is read-only and calculated by the system as Gross Monthly Rental Income minus the property Housing PITIA. This gives underwriters full visibility into how qualifying rental income is derived before anything is exported to Encompass, and removes the risk of housing expenses being deducted twice.

For more details, see the Rental income page.

Fannie Mae rental income calculator: gross and net income displayed separately

The Fannie Mae rental income calculator now displays Gross Monthly Rental
Income and Net Monthly Qualifying Income as two distinct fields, consistent with the standard Rental Income Calculator. The gross figure is passed to the Gross Monthly Rental Income field in Encompass on export, and the housing expense amount is automatically imported to Encompass via the maintenanceExpenseAmount field. No manual entry is required.

For more details, see the Fannie Mae income calculator integration page.

Wage earner income calculators: Override Number of Months toggle

The Override Number of Months toggle is now available on the Salary, Hourly, Overtime, Bonus, Commission, Shift Differential, and Miscellaneous income calculators. When enabled, the toggle allows you to edit the number of months directly on any year row without changing the borrower's employment start or end dates. Monthly Income and all income averages for that row recalculate automatically. The toggle has also been renamed from Override employment period to Override Number of Months across all calculators to more accurately reflect what it controls.

For more information, see the Wage earner page.

Detect is now available in the Encompass embedded viewer

Underwriters can now access Ocrolus Detect directly from the Encompass embedded viewer without switching to a separate tool. Opening the DETECT tab on any supported document runs Detect automatically and displays the Authenticity Score, reason codes, and signal counts. Each signal includes a bounding box toggle that highlights the flagged region on the document. Signals and scores are consistent between the Encompass viewer and the Ocrolus Dashboard. Supported document types are bank statements, pay stubs, and W-2s.

For more details, see the Detect in Encompass page.

Classify and Capture

Additional attribute support

Ocrolus now offers support for the following attribute within the existing document type:

1003 (2020) - Uniform Residential Loan Application (Lender Loan Information)

• lender_loan_information_1003_2020-General:additionalBorrowerName

Brokerage statement

• brokerage_statement-Part1-General:employerName

Loan Estimate

• loan_estimate-Part3-ProjectedPayments:paymentCalculation:yearRangeInitialPeriod
• loan_estimate-Part3-ProjectedPayments:paymentCalculation:yearRangeSubsequentPeriod

Closing Disclosure

• closing_disclosure-Part5-ProjectedPayments:paymentCalculation:yearRangeInitialPeriod
• closing_disclosure-Part5-ProjectedPayments:paymentCalculation:yearRangeSubsequentPeriod

Credit Report

• credit_report-Part1-General:unspecifiedDate
• credit_report-Part2-ScoreModels:borrowerVantageScoreExperian
• credit_report-Part2-ScoreModels:borrowerVantageScoreEquifax
• credit_report-Part2-ScoreModels:borrowerVantageScoreTransunion

To learn more, see the All supported documents page.