Average Daily Balance
Lenders calculate your average balance over 30-90 days. Higher averages indicate better cash management and lower risk.
Deposit Patterns
Consistent deposits show stable revenue. Lenders prefer regular deposits over sporadic large ones, which can indicate unreliable income.
NSF and Overdrafts
Non-sufficient funds and overdrafts are red flags. They indicate cash flow problems. Minimize these before applying.
Existing Debt Payments
Lenders see your existing loan and debt payments. They calculate your ability to handle additional payments based on these obligations.
Business vs Personal Transactions
Mixing personal and business transactions looks unprofessional and makes it harder to assess your business. Keep them separate.