The financial identity platform for entrepreneurs. Generate a certified passport that proves your real wealth to landlords, banks, and lenders — without a pay stub.
No pay stub means no apartment, regardless of your actual bank balance or assets.
Your legal write-offs save you tax money but disqualify you from A-lender mortgages.
B-lender mortgages cost up to $90,340 more over five years — a tax on entrepreneurship.
Link bank accounts via open banking. Upload your NOA and tax documents. Takes ten minutes.
The Add-Back Engine reconstructs your true qualifying income from legitimate business deductions.
Receive a tamper-proof passport link. Share with landlords or lenders. Real-time, auto-refreshing.
Takes ten minutes · No credit card required · Your data stays private
Vouched collects, verifies, and packages self-employed mortgage applications for brokers. AI tamper detection on every document. Open banking verification on every dollar. Protect your license while you save 4-6 hours per file.
4-6 hours per file collecting NOAs, T1s, bank statements, business filings. Then re-collecting because something's missing.
8-15% of self-employed files contain altered documents. You're personally liable to FSRA — even when you didn't know.
Clients drop off during documentation. Lenders decline at the last minute over unverified income. Commissions you'll never see.
Vouched runs four layers of verification on every file. Lenders see exactly which layer cleared each data point — so when you submit, your name is on the cleanest package in their queue.
Vision-AI tamper detection on every uploaded PDF. Flags font inconsistencies, alignment issues, metadata anomalies, and copy-paste artifacts in under 5 seconds.
Reconciles every number across submitted documents. NOA income matches T1 line 15000. December bank balance matches stated assets. Discrepancies flagged automatically.
Direct bank data via open banking (Flinks / Plaid). Balances, deposits, and cash flow pulled cryptographically from the bank — not from a PDF the client emailed you.
Authorized CRA representative access for direct NOA and T1 General retrieval. The same data your lender's underwriter pulls — but already in the package when you submit.
B-lender files don't just need numbers — they need a narrative. Why this borrower, why these terms, why now. Vouched generates the cover letter, calculates every ratio your lender requires, and packages it ready to submit.
Borrower is the sole shareholder of an Ontario-incorporated consulting practice operating since 2023. Two-year normalized qualifying income of $107,500 reconstructed from declared taxable income via legitimate add-backs (vehicle, home office, CCA, M&T). Total verified liquid assets of $150,500 with $278,500 net worth. Requested $480,000 first mortgage at 75% LTV against $640,000 property in Mississauga, ON.
24-month term to allow CRA reassessment cycle to capture growing declared income. Borrower targets A-lender refinance at maturity once two full years of post-add-back NOAs are filed.
Equitable Bank, Home Trust, CMLS, Fisgard, and 30+ B-lenders. Each format pre-loaded.
LTV, equity coverage, stated-income GDS/TDS, beacon tiering — calculated in the format each lender wants.
Vouched drafts. You refine. Add your professional judgment, then export the final submission package.
The narrative work brokers hate most. Done before you make coffee.
A-lender or B-lender, prime or private — Vouched packages the same underlying data in the format your specific lender requires. The broker workflow stays the same.
Self-employed client completes the wizard. Documents collected, AI-verified, cross-referenced.
Reconstructs qualifying income from legitimate write-offs. Output: normalized 2-year average income aligned to A-lender stated-income programs.
Clean income summary + verification tags + supporting docs. Submit through Filogix or Velocity as normal.
Client completes the same wizard. No extra steps for the client.
Vouched writes the borrower narrative, calculates B-lender ratios (LTV, equity coverage, beacon tier), and assembles the cover letter.
Pick the lender (Equitable, Home Trust, etc.) — Vouched formats to that lender's submission template. Edit, send.
Text or email a Vouched intake link to your client. Takes 30 seconds. Your client fills out the wizard at their own pace.
Documents run through AI tamper detection. Numbers cross-referenced. Bank data verified via open banking. Discrepancies flagged for your review.
Generate a polished, verification-labelled PDF that goes straight to your underwriter or A/B lender. Pairs with Filogix and Velocity.
First 3 files free · Protect your license · Pairs with Filogix & Velocity
We use this to personalize your Financial Passport and calculate your Entrepreneur Trust Score.
Enter your declared income and common write-offs. The Add-Back Engine reconstructs your true qualifying income.
Verified assets drive your Liquidity Runway Score. Landlords and B-lenders care more about assets than income.
Attach supporting documents. The AI engine uses these to verify and cross-reference your income data.
The Add-Back Engine is reconstructing your true qualifying income and verifying assets.
Months covered at zero revenue.
2-year average after add-backs.
Net worth vs annual obligation.