Business bank statement
Upload your business PDF and see income vs. expenses, categorized transactions, and export to Excel instantly.
Upload your bank statementAnalyze my statementPDF from any bank. Scans and photos work too.Encrypted in transitPDF deleted after analysis
1,000+ statements analyzed · View sample analysis
Your full spending report
Net saved in October 2024
Income
$7,712
Spent
$4,844
Activity
47 tx · ~$103/day
Find money you're leaving on the table
Cancel unused subscriptions
3 services you haven't used in 60+ days
Switch to cheaper phone plan
You're overpaying vs similar usage profiles
Cook 3 more meals per week
You averaged $42/meal eating out — 18 times this month
Ask your statement anything
Dining spending jumped 42% vs last month. You ate out 18 times — that's $42 per meal on average.
See where every dollar went
$4,844 across 7 categories
Your financial health, scored
Spot hidden recurring charges
8 subscriptions found · $349/mo
What business owners use it for
From loan applications to monthly bookkeeping — one upload covers it all.
Business loans
Get a clean income summary showing average monthly deposits — exactly what underwriters need.
Mortgage applications
Self-employed owners use 12–24 months of statements to prove income. Analyze and export for your broker.
Accounting & bookkeeping
Export categorized transactions — revenue, operating costs, payroll, taxes — ready for QuickBooks or Xero.
Cash flow analysis
See revenue by source, biggest expense categories, and net cash flow at a glance. Upload several months together for one combined view.
What lenders look for in business bank statements
Know what underwriters analyze before you submit. Our tool extracts exactly this data.
Average monthly deposits
Primary indicator of business revenue — lenders calculate this across all statement months.
Average daily balance
Shows whether the business maintains a healthy cash cushion between income events.
Revenue consistency
Irregular or declining deposits raise flags. Consistent deposits build confidence.
NSF incidents
Insufficient funds events are a negative signal — lenders count them across all statements.
Large unexplained deposits
One-time windfalls are discounted. Lenders want recurring operational income.
Income vs. expenses — separated automatically
Business income, costs and personal spending apart
Our AI doesn't just extract transactions — it separates business income from expenses, identifies payroll, rent, and operating costs, and flags personal transactions that may have hit your business account.A breakdown lenders and accountants expect
The result is a clean breakdown that matches what lenders, accountants, and mortgage brokers expect to see. Export to Excel or CSV with one click.
Why analyzing your business bank statement matters
A business bank statement is the single most accurate picture of your company's financial health. Every deposit, payment, fee, and transfer tells a story about cash flow. Our tool reads your PDF and categorizes every transaction automatically — revenue, operating expenses, payroll, rent, tax payments, subscriptions.
One of the most common challenges for small business owners is separating business expenses from personal spending. Our AI identifies and flags common personal transaction patterns so you can see what belongs on your books and what doesn't — critical at tax time for claiming deductions without triggering an audit.
Once categorized, export everything to Excel, CSV, or QBO and import directly into QuickBooks, Xero, FreshBooks, or Wave. This eliminates hours of manual data entry. Whether you're catching up on bookkeeping, preparing for a loan application, or just trying to understand where your money goes — starting with a properly analyzed statement makes everything faster and more accurate.
Secure
Private
Clear pricing
Bank statement analyzer pricing
Your first upload is free. Pay once for a single statement, or subscribe if you have many.
Pass
One statement · no subscription
- 1 upload, up to 100 pages
- Every transaction, categorized
- Subscriptions and savings found
- Report kept for a year
Pro
Most popular$144 billed yearly · save 37%
- Everything in Pass, plus
- 100 pages every month (~20 statements)
- Reports kept for as long as you want
- Priority support
Business
$372 billed yearly · save 37%
- Everything in Pro, plus
- 500 pages every month (~100 statements)
- Never blocked: $0.08 per extra page
- REST API with your own keys
Business bank statement — FAQ
What is a business bank statement?
A business bank statement is an official monthly record from your bank showing all transactions for your business account — deposits, payments, transfers, fees, and the opening and closing balance.
How many months of statements do lenders require?
Most lenders require 3 months for small business loans. Some ask for 6 months, and SBA loans or mortgage applications may require 12–24 months.
Can I use business bank statements to get a loan?
Yes — bank statement loans are a popular alternative to traditional financing. Lenders analyze your average monthly deposits to determine eligibility, often without requiring tax returns.
What do lenders look for in business bank statements?
Average monthly deposits (revenue), average daily balance, revenue consistency, NSF incidents, and the ratio of deposits to withdrawals. Our analyzer extracts all of this.
Can I use business bank statements for a mortgage?
Yes — self-employed business owners often use business bank statements instead of W-2s to qualify for a mortgage. Lenders look at 12–24 months to verify income.
Does this work with business accounts from any bank?
Yes — Chase Business, Bank of America Business, Wells Fargo Business, Relay, Mercury, Novo, and all other business banking institutions.
Something else on your mind? Write to contact@mybankstatementanalysis.com.
Try it on your own statement
Your first upload is free, with no account or card. If a paid report doesn't match your statement, you get your money back within 14 days.