Balance and timing
Read the amount with its source date. Make it clear which point in time the record supports as the transaction or application progresses.
Proof of funds for lending teams
Proof of funds.
With the facts in view.
Review the balance, the account owner, and the date of the record together. Bring the evidence behind available funds into your borrower file.
Funds reviewSOURCE RECORD
Reported funds
$84,260.00- Account owner
- Jordan Morgan
- Source record date
- October 01, 2026
- Supporting activity
- Keep with the file
A dated record for your team’s review
More than an amountOwner · Balance · Date
The record behind the result
A balance needs
its supporting context.
A proof-of-funds review asks more than whether an amount appears on a page. Your team needs to understand the account, the borrower’s relationship to it, the record date, and the supporting context required for the intended purpose. Fintegral asset verification brings those records into the workflow.
Use the returned information in the review your institution performs for a purchase, down payment, reserves, or closing funds. Keep the original request and available supporting activity close to the balance, then resolve questions using your own policies and procedures.
The account behind it
Review available ownership and account information alongside the borrower file. Keep the relationship between the person, account, and funds understandable.
Supporting activity
Use available activity to follow the movements relevant to your review. Your institution determines which explanations and additional records it needs.
Details that matter
A stronger funds review
keeps these details together.
Keep the request, the returned facts, and your team’s assessment connected.
Review the integration guide- 01
Intended purpose
Define what the funds need to support in this file.
- 02
Account ownership
Review the available holder and account details.
- 03
Dated balance
Keep the amount and record date visible together.
- 04
Supporting context
Retain the activity and explanations your team requires.
A connected workflow
A clear path.
From request to review.
- 01
Define the funds question
Confirm the account information, dates, and records needed for the review.
- 02
Request asset verification
Obtain the applicable borrower authorization and supported source records.
- 03
Review the evidence
Use the returned balance, ownership details, and available activity in your own assessment.
Your institution sets its policies and makes the lending decision. Product scope, source availability, and authorization requirements apply.
A closer look
Proof of funds.
Your questions, answered.
Useful details for planning the request and reviewing the records.
Talk through your requirementsWhat can a proof-of-funds review establish?
The available records can support a review of an account balance, ownership information, and timing. Your institution determines whether those facts and any additional context satisfy the purpose of the request.
Does a balance stay current after verification?
A source record represents the information available at a particular time. Keep its date visible, and confirm whether your process requires updated records later in the file.
Can we request supporting transaction activity?
Discuss the institutions, account types, activity period, and fields your workflow requires. Availability depends on the supported source and product scope.
How is this related to asset verification?
Proof of funds is a workflow that can use asset verification evidence. The VOA product supplies supported account records; your team uses them to review the funds question in the borrower file.
Make the next request a clearer one.
Bring your records, sources, and workflow requirements. We’ll help you define the verification that fits.