What underwriting is reading
For deposit-based funding, the file is your business bank statements. Not your tax return, not your P&L. Which means the habits that shape those statements are the habits that shape your offer.
What you can fix in 30 days
| Fix | Effect |
|---|---|
| Move all revenue into one business account | Deposits look complete rather than fragmented |
| Stop personal spending from the business account | Cleaner statements, fewer questions |
| Avoid negative days entirely for a month | Removes the most visible red flag |
| Pay down or clear a small existing position | Frees daily deposit capacity |
| Confirm entity name matches the bank exactly | Removes a common verification delay |
What you cannot fix quickly
Time in business and a thin credit file take time, and no amount of preparation changes them this month. That is fine — neither is a gate on its own. Scores in the 500s are placed routinely and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score.
The file that gets the best outcome
Three to four months of complete statements from one business account, no negative days, all positions disclosed up front, and a clear sentence explaining what the money buys and when it pays back.
Common questions
How long before applying should I prepare?
Thirty days of clean statements makes a visible difference. Longer is better but 30 days is enough to matter.
Will clearing a small advance help?
Yes. It frees daily deposit capacity, which is what the offer is sized against.
Do negative days disqualify me?
Not automatically, but they are visible and they weaken the file. A clean recent month helps.
Is my credit score the main factor?
No. Deposits and consistency carry more weight for deposit-based products.
See what you qualify for
Same-day decision. Applying takes a few minutes and will not affect your credit score.