Business bank statementanalyzer

Upload your business bank statement PDF — AI categorizes income and expenses instantly. Export to Excel or CSV for loans, accounting, or mortgage applications.

CSV & Excel exportIncome vs. expensesLoan-ready summary
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Why analyze first

What business owners use it for

Business loans

Most lenders require 3–6 months of business statements. Get a clean income summary showing average monthly deposits and expenses — exactly what underwriters need.

Mortgage applications

Self-employed owners use 12–24 months of business statements to prove income for a mortgage. Analyze the full period and export a structured summary for your broker.

Accounting & bookkeeping

Export all transactions categorized by type — revenue, operating costs, payroll, taxes — ready to import into QuickBooks, Xero, or hand to your accountant.

Cash flow analysis

See month-over-month revenue trends, your biggest expense categories, and net cash flow at a glance. Understand your business finances without a spreadsheet.

Loan applications

What lenders look for in business bank statements

Know what underwriters analyze before you submit. Our tool extracts and organizes 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.

Pricing

Simple, transparent pricing

Free
Free
Try it out
  • 3 PDF pages / month
  • AI transaction categorization
  • Sankey money-flow chart
  • AI insights & savings tips
  • Financial health score
  • Spending calendar
  • CSV export
Start Free
Most popular
Basic
$9/mo
For monthly tracking
  • 500 PDF pages / month
  • Everything in Free, plus:
  • Multi-month trends dashboard
  • Subscription detector
  • AI savings opportunities
  • 6 export formats (CSV, Excel, QIF, OFX, QBO, IIF)
  • Chat AI financial advisor
  • Receipts & invoices extractor
  • Table-to-Excel extractor
  • File format converter
  • 12 months history
Start Basic
Pro
$19/mo
For power users
  • Unlimited PDF pages
  • Everything in Basic, plus:
  • Redact sensitive info from statements
  • Translate statements (30+ languages)
  • Fake statement detector
  • Fraud & authenticity scoring
  • Priority processing
  • Priority support
Start Pro

FAQ

Business bank statement FAQ

What is a business bank statement?+−
A business bank statement is an official monthly record issued by your bank showing all transactions for your business account — deposits, payments, transfers, fees, and the opening and closing balance. It is used to verify business income, apply for loans, and reconcile your accounting records.
How many months of business bank statements do lenders require?+−
Most lenders require 3 months of business bank statements for small business loans. Some lenders ask for 6 months, and SBA loans may require 12 months. The statements are used to verify consistent revenue and cash flow.
Can I use business bank statements to get a loan?+−
Yes — business bank statement loans (also called bank statement loans) are a popular alternative to traditional financing. Lenders analyze your average monthly deposits to determine eligibility, often without requiring tax returns. Upload your statements here to get a clean income and expense summary before applying.
What do lenders look for in business bank statements?+−
Lenders typically analyze: average monthly deposits (revenue), average daily balance, regularity of income, number of NSF (insufficient funds) incidents, and the ratio of deposits to withdrawals. Our analyzer extracts and categorizes all of this automatically.
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 of statements to verify income. A clean categorized export helps you and your mortgage broker prepare the application.
How do I analyze my business bank statement?+−
Upload your business bank statement PDF here — AI extracts every transaction, categorizes it (income, operating expenses, payroll, rent, etc.), and gives you a complete breakdown. Export to Excel or CSV for your accountant or lender.
Does this work with business accounts from any bank?+−
Yes — the analyzer works with business bank statements from any bank: Chase Business, Bank of America Business, Wells Fargo Business, Relay, Mercury, Novo, and all other business banking institutions.

Analyze your business statement — free today.

Upload your business bank statement PDF — get a full income and expense breakdown in 30 seconds. Export to Excel or CSV for your lender or accountant.

Analyze My Business Statement Free →
✓ 3 pages free · ✓ No signup · ✓ Works with any bank