Short answer: Funders look at your monthly deposits, your average balance, how often your balance gets very low or negative, and what regular payments you already have. Steady deposits and few overdrafts make the strongest case.
Monthly deposits
This is the starting point. Funders want to see consistent revenue coming in. Seasonal ups and downs are fine, as long as the overall picture makes sense for your business.
Average daily balance
A healthy average balance shows you’re not living paycheck to paycheck. It doesn’t need to be huge, but it shouldn’t sit near zero most of the month.
Low balances and overdrafts
A few low days happen to everyone. Frequent overdrafts or returned payments are a warning sign, because they suggest new payments might be hard to handle.
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Existing debt payments
Funders look at payments you’re already making to other lenders. Too many at once can limit what you qualify for.
How to put your best foot forward
- Run all business income through your business account, not a personal one
- Avoid overdrafts in the months before you apply
- Be ready to explain any unusual deposits or dips
- Send complete statements, every page
Why this matters more than your credit score
Your statements show how your business is doing right now. That’s why funders like Flex Credit Capital focus on them more than a bank would.
