Which funding products does this apply to?

Merchant Cash Advance, Working Capital, Business Line of Credit, Invoice Financing, Revenue-Based Financing. Each has its own page listing the funders in this directory that offer it and what each one publishes about its terms.

Are the figures here quotes?

No. Every worked example is labelled illustrative and exists to show the arithmetic. What a particular lender charges is on that lender's page, where it publishes it at all.

The Find Me Funders research desk. Some drafting is AI-assisted, and every page that is says so at the top, including whether a person has checked its claims yet.

How do I know a figure here is right?

Where a page carries the green notice, its claims were checked against the sources listed at the end and a reviewer is named. Where it carries the amber one, nobody has verified it yet and you should confirm anything you plan to act on.

Are the examples real deals?

No. Every worked example is labelled illustrative and exists to show the arithmetic. What any particular lender charges is on that lender's page, where it publishes it.

Why do you never say what a typical rate is?

Because we cannot source it. A market average assembled from lenders who do not publish prices is a guess with a decimal point on it. Where a lender publishes a figure, we show that figure and say where it came from.

Is this financial or legal advice?

No. It is general information about how these products work. Outcomes depend on your contract and your state, and a lawyer or accountant licensed where you are is the person to ask about your situation.

Can I reuse this content?

Quote a paragraph with a link back. Do not republish whole articles.

The deposit pattern an underwriter reads as healthy

Two businesses bank the same amount every month and get different answers. The difference is the shape of the deposits, not the size.

By Find Me Funders research desk Updated 14 September 2026 1003 words 4 min read

Drafted with AI assistance. Not yet independently checked. Nobody has verified the claims on this page against a source, so treat the figures and legal points as a starting point rather than as settled, and confirm anything you are about to act on. How we check things.

Total monthly deposits sizes an offer. The shape of those deposits decides whether the offer is made at all, and what structure it takes. Two businesses with identical monthly volume can produce statements that support completely different products, because one of them can carry a daily debit and the other cannot.

The two shapes

Illustrative only —both businesses bank 96,000 in a month with 22 banking days.

Business A takes card and cash sales daily. Twenty-two deposits, averaging 4,364, very little variation between them.

Business B invoices and gets paid on terms. Three deposits in the month: 38,000 on day 3, 31,000 on day 10, 27,000 on day 18. Nineteen banking days with no deposit at all.

Identical volume. Identical daily average of 4,364 across banking days. Now apply a daily debit at 6 percent of average daily deposits — 262 a day, 5,764 a month.

Business A funds that debit out of the same day's sales, every day, without touching its balance. Business B has to carry 262 a day across 19 consecutive dry days between the first and second payments, which requires a balance of roughly 5,000 sitting idle purely to service the debit, on top of everything else the balance has to do. Business B's statements will show the strain as a sawtooth: a spike, a long decline, a spike.

That is why a daily-remittance product suits one and not the other, and why the same file gets a weekly structure, a different holdback, or a different product entirely.

What gets read, in order

Deposit count per month.A steady count month to month says the sales engine is running. A count that drops from 46 to 12 while the total holds says you lost small customers and gained a large one, which is concentration and is read as risk.

Regularity across the week and the month.Gaps matter more than averages. An underwriter looking at whether you can service a daily debit is looking at your longest gap between deposits, not your mean.

Variation in deposit size.Twenty-two deposits of roughly equal size read as many customers. Three of wildly different sizes read as few. Where a single deposit is a large share of the month, expect questions about who that customer is and what happens if they leave.

Direction over the window.Three months rising, flat, or falling. A falling trend is read hard, and it is read against the month you are applying in, not the average. Applying in the third of three declining months invites the assumption that the fourth is worse.

Whether the credits are actually revenue.Transfers from your own accounts, funding proceeds, refunds, owner contributions, and returns of previously paid items all appear as deposits and all come out. A file whose gross credits are 40 percent higher than its true revenue is a file where every figure has to be recomputed.

Whether deposits reconcile to the sales evidence.Card settlements against the processing statement. Invoiced revenue against the P&L. A large gap in either direction is the anomaly that generates the longest stipulation.

Shaping the pattern honestly

You cannot invent deposits. You can change when and how real money reaches the bank.

Deposit on a schedule, not when you remember. Cash held in a till for nine days and then deposited in one lump converts a steady business into a lumpy one on paper. Daily or every other day, same time.
Do not batch card settlements weekly if daily is available. Daily settlement produces daily deposits and a smoother balance. Check the processor's settlement frequency setting; weekly batching is sometimes a default nobody changed.
Split large invoices into progress billing where the contract allows. Three payments across a job produce three deposits instead of one, which improves both the count and the gap profile, and usually improves your cash position too.
Offer a small, costed incentive for early payment on your largest invoices only if you have run the arithmetic. Shortening your longest dry gap has real value; paying two percent for it may or may not.
Stop running revenue through a second account. Deposits that land somewhere other than the account you submit are deposits an underwriter never sees.
Keep transfers between your own accounts to a minimum and label them. Every one of them is a credit somebody has to strip out.

What not to do

Do not cycle money to inflate the count. Moving 5,000 out and back twenty times produces twenty deposits, an obvious round-trip pattern, and a finding that is worse than the thin pattern it was meant to disguise. Underwriters look specifically for credits matched by a near-identical debit a day or two either side, and finding one costs you the benefit of the doubt on everything else in the file.

Do not delay depositing near a statement cycle to move a figure between months. It shows up as a gap followed by an outsized deposit, and the two months together tell the story anyway.

Do not open a second account so the tidy one can be submitted. Funders ask which accounts exist, the application usually asks you to confirm the list, and the transfers between them are visible from the side you did submit.

What to do before you apply

Export three months of credits to a spreadsheet with the date. Count the deposits per month. Find the longest run of consecutive banking days with no deposit. Compute total credits, then strip transfers, funding proceeds and refunds to get true revenue, and note the percentage difference.

Those three numbers — count, longest gap, and the gross-to-true ratio — tell you which products fit before anyone quotes you. A long gap points away from daily remittance and toward weekly, a line of credit, or a receivables-based facility. A large gross-to-true gap means you should send a one-page note with the statements explaining the credits that are not revenue, rather than letting someone else guess.