What do underwriters look for in business bank statements?
Underwriters review total monthly deposits, deposit count and consistency, average daily balance, negative days, NSF activity, and existing daily or weekly debits that indicate other funding positions. Statements must be complete PDFs, all pages, directly from the bank.
Submit complete, unaltered PDFs
Screenshots, partial pages, and spreadsheet exports slow every review and raise verification questions.
Explain anomalies up front
A one-time large deposit, a slow month, or a cluster of negative days is manageable when explained—and a problem when discovered.
Put this to work on a live file
Submit your deal and we'll review it personally—typically answered within one business day.
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