In revenue-based funding, your bank statements are your credit score. Underwriters spend minutes on your application and an hour inside your statements. Here are the six numbers they compute — and how to improve each one before you apply.
The six numbers that decide your offer
1. Monthly deposit volume
Total true revenue deposits (transfers between your own accounts don't count). This anchors your offer size — most programs fund 80%–150% of monthly volume.
2. Deposit count
Fifteen deposits a month reads like a living business; one monthly lump reads like risk. Card-batch businesses shine here — a big reason MCA programs love restaurants and retail.
3. Average daily balance
The single most-watched health metric. Aim to hold 5–10%+ of monthly revenue steadily. Spiking to $40K on deposit day and falling to $200 by Friday hurts you.
4. Negative days & NSFs
Every overdraft is a flashing light. Zero negative days for 60–90 days before applying materially improves both approval odds and pricing.
5. Existing funding payments
Daily/weekly debits to other funders are visible instantly. Disclose them up front — hidden balances kill trust; disclosed ones often get refinanced into the new offer.
6. Ending-balance trend
Three months of rising ending balances tells a growth story no pitch deck can match.
💡 The 60-day cleanup: pick your application date 60 days out. Until then: no overdrafts, keep a balance floor, route all revenue into one business account, and pause owner draws that crater the balance. Then apply with the documents checklist ready.
What underwriters forgive — and what they don't
- Forgiven: seasonality (explain it), one bad month with recovery, a mid-600 score with strong banking (see the 650 guide)
- Not forgiven: screenshots instead of full PDFs, missing pages, revenue routed through personal accounts, undisclosed advances
Statements looking strong? That's your moment.
60-second form — revenue-based review where your banking does the talking.
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