What underwriters actually see in your bank statements

Underwriters look at four things in your bank statements: average daily balance, deposit consistency, NSF/overdraft count, and existing obligations.

Average daily balance tells the underwriter how much cushion your business carries. A higher cushion supports a larger offer.

Deposit consistency — the spread between your highest and lowest deposit days — affects which product fits. Steady deposits favor working capital. Variable deposits favor revenue-based advances.

NSF counts are the fastest way to lose a file. Three or more in a four-month review almost always reduces the offer.

Existing obligations show up as recurring debits to other funders. Stacking is the single biggest reason offers get pulled at the final stage.