For commercial banks · credit unions · private lenders
Your whole book.
One living statement.
LivePFS replaces the annual PFS chase. Borrowers maintain one living statement; your institution receives it current, verified, and with their permission.
Invitation-only
The problem you already know
The chase.
Every annual review starts with an email your borrower doesn't want to answer, about a form nobody enjoys, that both sides know is stale on arrival.
The re-keying.
A handwritten statement arrives, and someone on your team types it — again — into your spreading system. Days pass. Errors creep in. Nobody checks the math twice.
The decay.
The moment a PFS is signed it starts aging. Twelve months later you're making decisions on a photograph of a finish line somebody crossed a year ago.
What LivePFS does
The statement stays current. The chase stops existing.
Borrowers keep one personal financial statement that stays current, verified, and lender-ready. Your institution receives it on your review calendar — dated, certified, and shared only with the borrower's explicit, revocable permission. The borrower side is live in production today at livepfs.com.
Invitation-only
Request access.
We work with a small number of institutions directly. Tell us who you are and we'll walk your team through the product, the security documentation, and the pilot design — shared under NDA, not published here.
Enterprise pricing — contact us.
LivePFS is not a consumer reporting agency and does not make or recommend credit decisions; institutions remain solely responsible for underwriting judgment. Borrower data is shared only with the borrower's explicit, revocable permission.