Release Notes

In this release, BSIC adds a RECURRING_EXPENSE_ADDRESS section and trend-aware logic for Capital Gains and Interest/Dividend income. Analytics endpoints now support async processing via async=true. The SMB Dashboard has been redesigned into a unified experience and Business Profile now includes Accounts and Transactions views. Dynamic Mapping expands to SS Award Letter, Annuity Award Letter, and Closing Disclosure in Encompass. Detect adds signal context and bounding box coordinates. The doc site now includes period-level reconciliation fields for the Book Summary API, a full Product SKU Reference, expanded support for additional Classify forms and attributes, and a new Capture document.

Early access

SMB

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.

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.

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:

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

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.

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:

Field	Description
`reconciled`	Whether the statement period reconciled successfully
`recon_error_absolute_amount`	The dollar amount of the reconciliation discrepancy
`recon_error_pct_of_average_daily_balance`	The discrepancy as a percentage of average daily balance
`primary_recon_error_reason`	The main reason the period did not reconcile
`secondary_recon_error_reason`	An additional contributing reason, where available
`high_amount_average_daily_balance`	Indicates whether the average daily balance is unusually high
`balance_ending_with_zero`	Indicates whether the ending balance for the period is zero
`high_txns_count_atm_over_cash`	Indicates whether ATM transaction count is high relative to cash
`has_weekend_transactions`	Indicates whether any transactions occurred on weekends
`no_txn_in_weekdays_within_period`	Indicates whether there were no transactions on weekdays
`high_txns_amount_atm_over_cash`	Indicates whether ATM transaction amount is high relative to cash

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.

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:

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.

Affected constants

The following constants have shifted and must be updated:

EXPENSE_FACTOR_TYPE_ADDRESS
BUSINESS_CPA_EXPENSE_PERCENTAGE_ADDRESS
BUSINESS_PROFIT_AND_LOSS_GROSS_REVENUE_ADDRESS
BUSINESS_PROFIT_AND_LOSS_EXPENSE_ADDRESS
NSF_ADDRESS
AVERAGE_DEPOSIT_ADDRESS
PERCENTAGE_AMOUNT_ADDRESS
LARGE_DEPOSIT_THRESHOLD_ADDRESS
LARGE_DEPOSIT_FLAG_ADDRESS

📘
Note
NSF_ADDRESS has the largest shift of all affected constants. Please pay special attention when updating this reference.

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"

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:

Document type	Newly supported fields
SS Award Letter	Beneficiary Name
Annuity Award Letter	Beneficiary Name
Closing Disclosure	Property Address Line 1, Property Address Line 2, City, State, ZIP

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.

Classify-only

New Classify supported document

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

Legal

Liens and Judgments Report

To learn more, see the All Supported Documents page.