Five numbers off your last few months. See which signals an underwriter reads as strong, which read as risky, and what to fix first.
Bank Statement Pre-Check
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Signal read
Educational estimate only. This is not an application, a pre-qualification, an offer, or a commitment to fund, and it does not predict an approval decision. Underwriting considers factors beyond those listed here and varies by funder and product. Nothing you enter is transmitted or stored.
Average daily balance is not your ending balance. It is the average of what sat in the account across every day of the month. The payment has to come out of that balance every business day, so funders want to see a floor — not a spike on the 30th.
Negative days are the fastest route to a decline. A handful across three months is survivable. Ten or more in one month usually ends the conversation regardless of revenue.
Deposit count tells an underwriter whether your revenue is diversified or concentrated. Ten deposits of $8,000 reads very differently than one deposit of $80,000 — in the second case, one customer’s payment behavior has become your credit risk.
Existing positions are visible whether you disclose them or not, because the daily ACH debits are right there in the statements. Stacking is the most common reason a file that looks fine gets turned down.
Time in business is the one thing you cannot fix quickly. Six months is the usual minimum; two years opens up most products.
Keep a buffer so the account stops going negative. Stop sweeping the balance to zero. Get personal spending out of the business account. Do not take a second advance right before applying. Bill promptly so deposits arrive steadily instead of in clumps.
Three clean months of statements will change your options more than any amount of explaining.
This tool is a rough guide, not an underwriting decision. Send us three months of complete bank PDFs and we will tell you exactly what a funder sees — including when the honest answer is “not right now, and here is what to fix.”
Go deeper at RFR Insights.