Business bank statement
Business bank statement
Upload your business PDF — see income vs. expenses , categorized transactions , and export to Excel instantly.
Used by accountants, lenders, and businesses
Encrypted in transitPDF never stored
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
Why analyze first
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 month-over-month revenue trends, biggest expense categories, and net cash flow at a glance.
Loan applications
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.
Pro tip: Most lenders require 3 months of business bank statements for small business loans, and 12–24 months for mortgage applications. Upload each month separately or a combined PDF — our analyzer handles both.
Business-ready
Income vs. expenses — separated automatically
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.
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 aboutcash 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 separatingbusiness expensesfrom 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 toExcel, CSV, or QBOand import directly into QuickBooks, Xero, FreshBooks, or Wave. This eliminates hours of manual data entry. Whether you're catching up on bookkeeping, preparing for aloan application, or just trying to understand where your money goes — starting with a properly analyzed statement makes everything faster and more accurate.
Secure
Your PDF is processed in memory and never saved to disk. All data is encrypted in transit.
Private
We never sell or share your financial data. Anonymous uploads are auto-deleted after 7 days.
Transparent
No hidden fees, no account required. Try it without an account, or create a free account for 1 analysis per month.
Statement analyzer pricing
Pro
For heavy files and repeat work
- 200 PDF pages per month
- Unlimited visible transactions per report
- Subscription and recurring charge detection
- Priority support
Business
For lenders, accountants, and teams processing at volume
- 500 PDF pages per month, then $0.08/page
- REST API access with your own keys
- Unlimited visible transactions per report
- Priority support
FAQ
Business bank statement — FAQ
Ready?
Upload one statement.
Get the full picture.
No credit card. No account. Drop a PDF and see every transaction categorized in 30 seconds.
Try it free →