Deposit consistency matters more than deposit size. Many steady deposits from many customers read as a healthier business than one large monthly payment from a single source, because concentration is a risk the funder inherits. Inter-account transfers are stripped out before anything is counted — matched debits and credits of the same amount on the same or adjacent days — and a file that only qualifies once transfers are included will not be approved.

NSF pattern is read, not just counted. Three NSFs on two consecutive days is a timing problem and usually forgivable. Three spread across three separate weeks reads as chronic and is treated very differently. The same applies to negative days: how many, how deep, and whether they cluster around a predictable date.

Trend direction is judged against the most recent months rather than the six-month average. A business averaging $100,000 a month but declining from $130,000 to $70,000 will be sized off the $70,000, and often declined outright. If the business is seasonal, say so up front and provide the same months from the prior year — that turns an apparent decline into a documented pattern.

What happens, in order

• Application — under ten minutes, no fee, no credit impact
• Documents — six months of business bank statements is the standard request
• Lender review — the file is matched to the products it actually qualifies for
• Funding — 24 to 72 hours for working capital once a structure is signed

Related

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• How an application moves

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