What documents do funders ask for on a working capital application?
The standard package is short: a signed application and the three most recently closed months of business bank statements. That is enough for most revenue-based decisions. Larger requests, or conventional and SBA products, add financial statements and tax returns — but you do not need those to find out where you stand.
Why three months of statements?
Three closed months is the shortest window that shows deposit consistency rather than a single good or bad stretch. Underwriters read total deposits, how many separate deposits make up that total, average daily balance, and negative days. A partial current month tends to raise questions rather than answer them.
What gets asked for on larger requests?
Beyond roughly six figures, expect year-to-date financials and often the two most recent business tax returns. Conventional and SBA products ask for these from the start; revenue-based products usually do not.
What if my statements have negative days?
Say so up front. Negative days are common and are not automatically disqualifying — what damages a file is a funder discovering them after being told the statements were clean. An explanation submitted alongside the file is treated very differently from one offered after the fact.
Check what you qualify for
Four questions, a soft pull only, and no upfront fee. We are a broker: we place your file with funders and are paid by the funder on close, so nothing is charged to you to apply.
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