See what your deposits qualify for.
Before you send a single statement, get an honest ballpark. Punch in your total deposits, pick personal or business, and this runs the same averaging a bank-statement lender does — including the expense-factor haircut. It's an estimate, not a quote. But it's the real math, and it'll tell you in ten seconds whether this loan is worth a call.
Which statements are you showing?
Statement period
Total deposits over 12 months
Add up the deposit lines across every statement — not the ending balance.
Personal statements skip the expense factor — deposits generally count close to fully. Switch to business to model the haircut.
An estimate, not a pre-approval. Actual factors vary by lender — the loan page has the full mechanics.
What this actually estimates.
Bank-statement underwriting doesn't read your tax return — it reads your deposits. Add up what landed in your accounts over 12 or 24 months, divide by the months, and that average is the starting point. On personal accounts, deposits generally count close to fully. On business accounts, the lender subtracts an expense factor — a haircut for your cost of doing business — and the remainder qualifies. This calculator runs exactly that math so you can see a realistic number before you ever send a statement.
About the expense factor.
The factor is the one number that moves your result the most, and lenders set it by industry — a 50% default is common, but a lean, low-overhead business can sometimes document a lower factor with a CPA letter stating the real expense ratio. That single letter can meaningfully change your qualifying income, which is why shopping this is the job. Slide it around above to see the swing; then let us match you to the lender whose factor actually fits your work.
Make your number honest before you apply.
Underwriters exclude transfers between your own accounts and get twitchy about large unexplained deposits, so the cleaner your real deposit picture, the closer this estimate lands to their answer. Route your business income through the accounts you'll show, keep NSF activity down, and if your trend is up, 24 months can sometimes qualify more than 12. When you're ready, we pre-review your statements the way a lender will — no surprises at underwriting.
Straight answers.
Straight answers — the same way you'd get them on the phone.
Is this number what I'll actually qualify for?+
It's an honest ballpark, not a commitment. Real lenders vary the expense factor, average deposits differently, and exclude transfers — so treat this as the conversation starter and let us run your true statements.
Personal or business — which should I pick?+
Whichever tells your story most cleanly. Personal skips the expense factor; business can still win when deposits are strong. Run it both ways here, then we'll price both for real on a bank statement loan.
What counts toward total deposits?+
Genuine business income landing in the account — not transfers from your own other accounts, not loan proceeds, not one-off windfalls. Underwriters strip those out, so leave them out here for a truer estimate.
Why does 24 months sometimes beat 12?+
If your income is trending up, a longer window can capture stronger recent months and smooth out a slow patch. If it's trending down, 12 may read better. We'll test both — it's free to check.
This calculator is an educational estimate only — not a loan commitment, offer to lend, or guarantee of qualifying income. Actual expense factors, deposit averaging, and eligibility vary by lender and by your file. Every situation is different.
Got a number you like?
Let's pressure-test it against a real lender's factor — and price the loan while we're at it.