Many owners are declined by banks over credit. Cash-flow underwriting focuses on deposits, average daily balance, and variance across months.
What matters most
- 3 months of bank statements
- Average daily balance
- Card revenue share
FAQs
FAQ
Is there a hard credit pull?
Many cash-flow programs rely on deposits and do not require a hard pull. Policies vary; we disclose any credit checks upfront.
What if I have NSFs?
A small number may be acceptable with strong deposits and a clear explanation; frequent NSFs slow approvals.