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Business Funding · Rick Jefferson

Cash-flow underwriting asks whether the business can carry the payment.

Bank activity and financial statements reveal operating stability, volatility, existing obligations, and the room available for new debt.

What this strategy examines

  • Gross deposits versus true revenue and internal transfers
  • Average daily balance, negative days, returned items, and concentration
  • Fixed obligations, existing advances, debt service, and seasonality
  • Loan payment structure compared with free cash flow

The working process

  1. 01
    Normalize bank and accounting data

    Each step is documented so assumptions, responsibilities, and the next decision remain clear.

  2. 02
    Separate revenue from non-revenue deposits

    Each step is documented so assumptions, responsibilities, and the next decision remain clear.

  3. 03
    Calculate existing and proposed debt burden

    Each step is documented so assumptions, responsibilities, and the next decision remain clear.

  4. 04
    Stress-test repayment under weaker months

    Each step is documented so assumptions, responsibilities, and the next decision remain clear.

Questions people ask

Is high revenue enough for approval?

No. Margin, volatility, obligations, bank behavior, industry, and repayment capacity can be equally important.

Why do lenders request several months of statements?

Multiple periods help reveal patterns, seasonality, concentration, and consistency that a single snapshot cannot show.

This page provides general education, not individualized legal, tax, lending, credit-repair, or investment advice. No score change, deletion, approval, rate, return, revenue result, or legal outcome is guaranteed.
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