Interactive Readiness Checklist
Check off each of your 6 most recent complete months as you download the statement PDF. This saves in your browser only — nothing is sent anywhere until you apply.
0 of 6 months ready
Why "6 consecutive" and not just "6 statements"
A single strong month can hide a business that's actually struggling, and a single weak month can hide a business that's actually doing fine. Six consecutive months lets an underwriter see the real pattern — seasonality, growth, and how consistently the business keeps cash on hand — instead of a snapshot that could go either way. A gap in the middle of the sequence (say, statements from January, February, April, May, June, July with March missing) breaks that pattern even though it's technically 6 statements, which is why "consecutive" is the actual requirement, not just "6 total."
What counts as one of your 6 months
The full, official monthly statement PDF from your bank's online portal — every page, covering the complete calendar month. It does not count if it's a screenshot of a balance, a partial download missing the middle transaction pages, or a mid-month printout for a month that hasn't finished yet. If today is mid-month, use the 6 most recently completed calendar months, not the current partial one.
If you're missing a month
Upload the months you have and flag which one is missing. Most funders can begin an initial review on 5 of 6 while the last statement is retrieved — nearly every bank makes 12–24 months of past statements available as an instant PDF download from online banking, even for accounts that have since closed. A final funding decision still requires the complete 6-month set, but starting the review earlier avoids losing time waiting on a single document.
FAQ
Which 6 months of bank statements do I need?
Your 6 most recent, consecutive, complete calendar months. If today is mid-month, the current partial month does not count as one of the 6 — use the 6 most recent fully complete months instead. A gap month breaks the consecutive requirement even if you have 6 total statements from a wider date range.
Why do underwriters need exactly 6 consecutive months, not fewer or non-consecutive?
A single month can be misleading — a big one-time deposit or a slow month doesn't reflect real, ongoing cash flow. Six consecutive months shows a genuine trend. Non-consecutive months can hide a bad stretch in the gaps, which is why lenders require an unbroken sequence.
Do my statements need to be a business account, or can I use a personal account?
They need to be a business bank account in the business's legal (or DBA) name. Personal accounts, even ones partly used for business, are not accepted because they mix personal and business cash flow. If the business currently operates out of a personal account, opening a dedicated business account and building deposit history there is the fastest path to becoming submittable.
What counts as a "complete" bank statement?
Every page of the official monthly PDF from your bank's portal, covering the full calendar month — not a partial download, screenshot, or mid-month printout. Missing pages make a statement incomplete, treated the same as a missing month.
What happens if I'm missing one month?
Upload the 5 you have and note which is missing — review can often begin on 5 of 6 while you retrieve the last one. A final decision still requires the complete 6-month set.
Can I upload PDFs, or does it need to be a physical copy?
PDF only, downloaded directly from your bank's online portal — not a photo of a paper statement or an app screenshot.
What if my account is joint with a personal account, or I only have a personal account?
A joint personal/business account is treated the same as personal-only — it can't be reliably separated into business-only cash flow. The fix is opening a dedicated business checking account, which most banks do same-day with an EIN or formation documents.
What are "negative days" and why do they matter?
A negative day is any day the balance drops below $0 — distinct from an NSF (a bounced item). Frequent negative days signal the business regularly runs out of operating cash between deposits.
What is an NSF and how many can I have?
NSF (non-sufficient funds) means a payment or withdrawal was returned for insufficient funds. 0 NSFs supports the strongest terms; 1 is generally still standard approval; 2 typically moves to a higher-risk tier; 3+ is a common decline threshold at many funders.
What is average daily balance (ADB) and why does it matter?
ADB is the average balance across every day in the statement period, not just the closing-day balance. It shows how much cash the business actually keeps on hand, versus gross deposits, which only show revenue that passed through the account.
How does my ending balance each month affect review?
T.A.G.'s current published floor to be considered for review at all is a $2,000+ ending balance each month, with $4,000+ as the optimal target average — not the bare minimum. $2,000–$3,999 is submittable but marginal and typically goes to underwriter review; below $2,000 is one of the most common automatic decline triggers. See the full grade breakdown on the Bank Statement Analyzer.
How do my deposits (not just my balance) affect the review?
Gross monthly deposits establish revenue scale ($10,000+/month gross is the common baseline). But deposits alone don't tell the whole story — a business that spends nearly all its revenue before month-end reads differently than one with the same deposits and a healthy, stable cash cushion.