What bank statement numbers do business lenders review?

Business funding reviews may look at deposit volume, average balances, negative-balance days, existing debt payments, seasonality, returned items, and whether revenue appears stable enough to support repayment.

Does this calculator connect to my bank account?

No. This calculator does not connect to bank accounts, does not upload statements, and does not store the numbers entered on the page.

Free · No bank login · Educational only

Bank Statement Cash Flow Calculator

Enter broad monthly deposit and balance numbers to estimate repayment pressure and document readiness before comparing business funding options.

Use This With Business Funding Research

Many business funding reviews start with bank statement patterns. This tool uses summary numbers only. Do not enter account numbers, bank logins, or personally sensitive information.

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Three-Month Statement Summary

Monthly deposits

Month 1 Month 2 Month 3

Ending balances

Month 1 Month 2 Month 3

Existing monthly debt payments Negative-balance days in 90 days

Possible new monthly payment Use a proposed loan, MCA, lease, or line-of-credit payment estimate.

What to Review

Statement Red Flags

Frequent negative days or overdrafts.
Large revenue drops from month to month.
Existing daily or weekly funding payments.
Deposits that do not match tax or accounting records.

Important Limits

This tool is not underwriting, accounting, tax, legal, brokerage, or financial advice. It does not connect to your bank, verify deposits, read statements, or decide eligibility. Use it as a planning estimate before reviewing lender-specific requirements.