What providers look for
Consistent deposits, healthy average balances, limited negative days, and revenue that supports the requested amount.
Bank Statement Requirements
Bank statement requirements for funding review.
Business bank statements are central to most funding reviews because they show real revenue, deposit patterns, and how the account is managed.
Quick answer
Most providers request the 3 to 6 most recent months of business bank statements. They review average balances, deposit frequency, negative days, and existing obligations.
No obligation to accept an offer. MerchantRunway is operated by MerchantRunway.com. MerchantRunway is not a direct lender. We may connect applicants with third-party funding providers. Approval, terms, rates, and funding amounts are not guaranteed.
Common red flags
Frequent overdrafts, large unexplained transfers, declining deposits, or numerous existing funding payments can affect options.
How to prepare
Use a dedicated business account, keep statements current, and be ready to explain seasonality or unusual deposits.
Documents usually needed
- Recent business bank statements
- Business identification and owner contact details
- Requested amount, intended use, and timing
- Existing funding obligations, if any
How approval is evaluated
Providers may review revenue consistency, deposits, time in business, industry, existing obligations, owner profile, and whether the requested capital fits cash-flow capacity.
View requirementsRelated funding options
Common questions
No. Approval, terms, funding amounts, and time to funding depend on provider review and applicant qualifications.
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