What consistency looks like in bank statements.

Underwriters do not only look at the biggest month. They look for a pattern that supports repayment without creating a new cash-flow problem.

A stronger story

• Stable deposits across recent months
• Clear operating activity tied to normal business work
• Enough average daily balance after existing obligations
• Few unexplained swings, negative days, or returned payments

A business that moves from $40K to $8K and back to $40K may need to explain the drop. Clean documentation and context are part of the file.