What funders look for in your bank statements
Your last 4 months of business bank statements are the most important part of your application. Here's what funders read in them.
Monthly deposits
The money coming into your business account each month is the starting point. Funders often size a first advance somewhere around one month of deposits. They'll look past one-time deposits like transfers between your own accounts or loan proceeds to see your true sales.
Activity, not perfection
Money coming in matters more than growth. Seasonal businesses and slower months are normal; funders look at the overall pattern across several months.
Average daily balance
A healthy balance shows the business can handle daily or weekly payments comfortably.
Negative days and returned payments
Funders count days the account went negative and payments that bounced. A few aren't automatically a dealbreaker, but fewer is better.
Existing advances
Funders can see other funders' daily or weekly payments in your statements. Be upfront about open advances on your application; it builds trust and helps us send your file to funders who work with your situation.
Send clean statements
Download PDFs directly from your bank rather than screenshots, include every page, and send all accounts the business uses. Complete files get answers faster.
General information only, not financial or legal advice. Every funder sets its own terms; your offer shows the exact numbers before you sign.