Funding requirements guide
Bank Statement Business Funding
Learn how bank statement activity is commonly reviewed for short-term business funding, working capital, and revenue-based options.
Review does not guarantee approval. Terms, timing, and availability vary by profile and partner.
Common review signals
Average monthly deposits and number of revenue days
Negative days, overdrafts, returned items, and balance trends
Existing daily or weekly repayment obligations
Seasonality, transfer activity, and non-revenue deposits
Relevant funding paths
Compare products often reviewed with these requirements.
Working Capital
Fast access to funds for day-to-day operations, inventory, payroll, and short-term needs.
Review fitRevenue Based Financing
Flexible funding based on business revenue with payments designed around cash flow.
Review fitMerchant Cash Advance
Fast working capital for businesses with card or daily sales activity.
Review fitDocuments commonly requested
- Recent complete business bank statements
- Merchant processing statements when card sales matter
- Explanation for large transfers or non-operating deposits
- Current balances and open repayment obligations when requested
Prepare before review
- Use the same business account where revenue is deposited.
- Prepare context for transfers, owner contributions, or seasonal gaps.
- Compare repayment cadence before accepting short-term capital.
Review carefully
Bank statement review is not the same as approval.
Frequent negative balances or stacked repayments can reduce available options.