Why this ratio, not just revenue
Two businesses can both show $50,000 a month in revenue. One keeps a healthy cushion in the account; the other spends it down to nearly zero every single day before the next deposit lands.
The second file looks thin no matter what the revenue number says, because there is no evidence the business can absorb a payment obligation. A target average daily balance of roughly 10% of monthly revenue is what underwriters look for as a sign of real cushion.
What actually improves it
Reduce unnecessary daily transfers out of the primary business account in the weeks before you apply.
Consolidate deposits into one primary operating account rather than spreading revenue across several accounts.
If a large payment is coming, timing your application after it lands can materially change how the file reads.
How it works
1. Apply in minutes
A short application. No impact to your credit score to see what you qualify for.
2. Same-day decision
We review revenue, time in business and bank activity — not just a credit score.
3. Review your terms
You see the amount, the term and the total cost before you sign anything.
4. Funded next business day
Money in your account, typically the next business day after signing.
Common questions
What counts as a healthy average daily balance?
Roughly 10% of your average monthly revenue, sustained across the statement period, not just on the day you apply.
Can strong revenue make up for a low average balance?
It helps, but a thin balance is checked specifically and can outweigh a strong top-line number.
How is this measured?
Across three to six months of business bank statements, not a single snapshot.
Can I improve this before applying?
Yes — timing deposits and reducing unnecessary daily transfers can meaningfully shift this ratio.