Cash‑flow tool for nontraditional income

Cloudvirga has added a cash-flow analysis feature to its mortgage software, giving lenders a new way to evaluate borrowers with uneven or non-salary income. (marketwatch.com) The feature went live in Cloudvirga’s Tropos platform on April 13, 2026, and uses bank-statement data to generate income insights for self-employed workers, gig workers, and borrowers with multiple income streams. Cloudvirga said the analysis is driven by artificial intelligence and is meant to replace manual bank-statement review. (markets.ft.com) Cloudvirga is owned by Stewart Information Services, which bought the company in May 2021 to expand its mortgage-technology business. Cloudvirga’s current chief executive, Maria Moskver, describes the company as a Stewart-owned provider of point-of-sale mortgage software for lenders. (stewart.com, cloudvirga.com) Cash-flow analysis in mortgage underwriting means looking at deposits, withdrawals, and balance trends in a borrower’s accounts instead of relying only on pay stubs or a Form W-2 wage statement. Fannie Mae says its Desktop Underwriter system can already assess borrower cash flow from asset reports by reviewing transaction patterns and balance trends over time. (fanniemae.com) That shift has been building for years as mortgage underwriting systems try to capture financial behavior that does not fit a standard payroll record. In January 2025, Fannie Mae said lenders could use positive rent-payment history identified in borrower-permissioned bank statements, and by April 2025 more than 10,500 single-family mortgage applications had improved their Desktop Underwriter recommendation that way. (fanniemae.com, fanniemae.com) Cloudvirga is pitching its product as a workflow tool as much as a credit tool. The company said lenders can reanalyze statements when documents change, which is aimed at mortgage and non-qualified mortgage lenders that handle borrowers with more complex income files. (stocktitan.net) Outside vendors have been selling similar automation for years, especially for nontraditional borrowers who generate 1099 income, freelance income, or business income. Ocrolus, another lending-technology provider, says cash-flow risk analysis tools are used to calculate income for freelancers and entrepreneurs whose finances are harder to document with standard forms. (ocrolus.com) The immediate test is whether lenders plug the new feature into their existing verification and underwriting stacks rather than treating it as another side tool. Cloudvirga’s bet is that a borrower paid through apps, contracts, and side work can now be evaluated inside the same mortgage software used for a borrower with a regular paycheck. (marketwatch.com, cloudvirga.com)