ReconLD — Financial Verification Analytics

Verify Every
Number.
Miss Nothing.

We verify the financial data behind your lending and funding decisions — powered by proprietary deterministic AI and algorithmic intelligence built by our engineering team. No generative AI. No cloud. No black box. Every finding is explainable, traceable, and defensible.

ReconLD Exception Report
11
Matched
6
Unmatched
3
No Invoice
40
Exceptions
Exception TypeSeverityCount
Unmatched InvoicesReview6
Concentration RiskWarning1
Sequence GapsWarning1
Round NumbersInfo14
40+
Verification Checks
6
Financial Domains Covered
High-Volume Processing
0
Generative AI / Cloud Exposure
What We Verify

Six layers of financial
verification. One engagement.

Tell us your situation and what documents you have. We scope the verification to your engagement — running every check that applies. No fixed menu. No missing blind spots.

01 — AR Verification
Accounts Receivable
Invoice ledger + Bank statement
  • Unmatched invoices & ghost receivables
  • Duplicate billing & sequence gaps
  • Concentration risk & cross-aging
  • Revenue timing manipulation
  • Split payments & partial collections
02 — AP Verification
Accounts Payable
AP ledger + Bank outgoing payments
  • Payments with no supplier invoice
  • Duplicate supplier payments
  • Round-number & fictitious vendors
  • Suppliers that are also customers
  • Payment timing anomalies
03 — Payroll Verification
Payroll & Disbursements
Payroll register + Bank disbursements
  • Ghost employees & duplicate payroll runs
  • Irregular payroll amounts
  • Off-cycle payments
  • Payroll timing anomalies
  • Disbursements to unrecognized accounts
04 — Bank Reconciliation
Full Bank Rec
Complete bank statement (all transactions)
  • Unexplained cash outflows
  • Intercompany & related-party transfers
  • Large unusual transactions
  • Period-end cash position manipulation
  • Overdraft patterns & NSF activity
05 — Borrowing Base
Borrowing Base Verification
BBC + AR aging report + AR ledger
  • BBC figures vs. actual AR ledger
  • Ineligible receivables included in base
  • Concentration limits exceeded
  • Dilution not properly deducted
  • Cross-aging violations hidden from BBC
06 — Flux Analysis
Financial Statement Flux
Financial statements (two periods)
  • Revenue without corresponding AR movement
  • Expenses not matching supplier payments
  • Balance sheet items vs. ledger reconciliation
  • Unusual period-over-period variances
  • Timing-based revenue pull-forward signals
The Process

From financial files to a
verified exception report

No setup. No cloud. No generative AI. Tell us what you have — we scope the engagement, run our proprietary intelligence engine, and deliver the report.

1
Tell Us Your Situation

Tell us the engagement — who the borrower is, what decision you're making, and what documents are available. We scope the verification and tell you exactly what files we need.

2
Engine Processes

Our proprietary deterministic AI and machine learning engine runs multi-pass matching, fuzzy name resolution, and 40+ verification checks across the applicable domains — locally, on an air-gapped machine. No generative AI. No cloud. No data leaves the environment.

3
Receive the Report

A professional PDF executive summary and a detailed Excel workbook — every irregularity documented, every finding traceable. Ready for your credit committee or legal team.

What We Detect

40+ verification checks
across six financial domains.

Every applicable check runs against your engagement scope. ReconLD does not confirm fraud — it surfaces what doesn't add up so your team can investigate with confidence.

Unmatched Invoices

Invoice marked paid with no corresponding bank deposit found within the date and amount tolerance window.

Unmatched Deposits

Bank deposit received with no corresponding invoice — possible unrecorded revenue or misapplied payment.

Duplicate Invoices

Same invoice number or same amount billed to the same customer within a configurable date window.

Timing Irregularities

Payment received before invoice was issued, or payment significantly delayed beyond the aging threshold.

Concentration Risk

Single customer represents a disproportionate share of total accounts receivable — a red flag for lending eligibility.

Cross-Aging

Debtor has any invoice 90+ days overdue — flags all invoices from that customer as potentially ineligible.

Invoice Sequence Gaps

Non-sequential invoice numbers suggest missing records, deleted invoices, or potential manipulation.

Related Party Flags

Invoices between affiliated or related entities that may not represent arm's-length commercial transactions.

Revenue Timing Anomalies

Invoice crosses a period boundary — flags potential revenue timing manipulation or pull-forward schemes.

+ 11 additional verification checks included in every report

How It Works

Simple engagement.
Professional output.

No packages to choose. No software to install. You tell us what you need — we run the analysis and deliver the report.

1
Contact Us

Reach out by email. Tell us about the engagement — who the client is, what files you have, and what you're trying to verify. We'll confirm scope and turnaround.

2
Send Files Securely

We share a Proton Drive encrypted File Request link. You drop in the required files. Zero email attachments. Zero exposure. Files never touch a public server.

3
Receive Your Report

We deliver a professional PDF executive summary and a detailed Excel workbook — every irregularity documented, every finding traceable. Ready for your credit committee or legal team.

🔐
Secure File Transfer
Zero-Knowledge Encrypted File Delivery

We use Proton Drive — Swiss-based zero-knowledge encrypted cloud storage trusted by journalists, legal professionals, and financial institutions worldwide. Unlike Dropbox or Google Drive, not even Proton can see your files. Every file is encrypted on your device before it ever leaves your hands. You receive a private File Request link — simply drop your files in. No login required. No email attachments. No exposure. It is the only file transfer method we trust with client financial data.

Learn about Proton Drive's zero-knowledge security model →
Start a Conversation →
Security & Trust

Your clients' financial files are
the most sensitive data on earth.

Invoices, bank statements, and cash flows reveal everything — revenue, clients, suppliers, debt levels, business relationships. These documents must never be handled carelessly.

⚠ The Industry Problem

Every day, financial professionals upload their clients' most confidential files — invoices, bank statements, AR schedules — directly into ChatGPT, web-hosted AI tools, and cloud services. Those files get processed on foreign servers, stored in cloud databases, and potentially used for AI model training. This is a direct violation of client confidentiality, professional ethics, and in many jurisdictions, the law. The client trusted you with those files. You owe them better.

🏛️
Built by professionals with 20+ years in banking and financial institutions — Canada & internationally.
ReconLD was built from the inside of the industry. We know exactly what lenders, factoring companies, and CPAs need — and exactly what they cannot afford to expose. Our verification engine is the product of decades of hands-on experience in credit facilities, borrowing base audits, and accounts receivable finance.
How We Handle Your Files
🔐
Step 1
Encrypted File Delivery via Proton Drive

You send us files through Proton Drive — Swiss-based, end-to-end encrypted, zero-knowledge cloud storage. We share a private File Request link — you drop in the files. We cannot see them until shared. Neither can Proton. Learn how Proton Drive works →

🖥️
Step 2
Air-Gapped Local Processing

Files are downloaded to a dedicated workstation with no internet connection, no cloud access, and no generative AI. Our proprietary deterministic AI engine runs entirely locally. Your data never touches a server, an API, or a third-party service. Just our engineering — and your data.

📄
Step 3
Report Delivered Back Securely

The finished PDF and Excel report is delivered back through the same encrypted Proton Drive channel. No email attachments. No shared drives. No exposure. The original files are then securely deleted from our system.

🔒
No Cloud. No Internet.

Our verification engine runs 100% locally on an air-gapped machine. There is no server, no API call, no upload. Your client's data stays exactly where it should — off the internet.

🧠
Deterministic AI. Not Generative AI.

ReconLD is powered by proprietary deterministic AI and machine learning — built and controlled entirely by our engineering team. Unlike generative AI tools that guess, hallucinate, and expose your data to foreign servers, our engine produces consistent, explainable, reproducible results. Every flag is traceable. Every finding is defensible in front of a credit committee, legal counsel, or regulator. No black box. No surprises. No cloud.

Very Fast Data Processing

What takes a senior analyst two full days in Excel, our engine processes with high efficiency and consistency — without the human errors, formula mistakes, or fatigue that come with manual review.

📋
Audit-Ready Output

Every report ships with a full processing log — timestamps, ingestion notes, and verification justifications. Everything your compliance team, legal counsel, or credit committee needs to stand behind the findings.

Get Started

Ready to verify the numbers?

Tell us about your engagement. We'll scope the verification, tell you exactly what files we need, and return a complete report. Per-engagement pricing — no subscription, no commitment.

Start a Conversation →

Reaches us directly. No form. No queue. No bot.