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Bank statements for underwriting — claim map
GuideBank statements for underwriting — claim mapBack to article
Statements must match volume and entity. Filter the claim. We do not invent a month count — send what they asked.
| Claim | Reality | Get in writing | Do not |
|---|---|---|---|
| Any six months of PDFs will do | No. Months must be for this entity and fit the volume story | How many months this underwriter asked for | Send a partner’s account or random personal PDFs |
| Personal statements clear a new LLC | Usually no — they want the business account. Exception only if written | Whether personal is accepted for this brand-new entity | Assume personal always works for day-one LLCs |
| Volume on the app can exceed deposits | No. Deposits have to support the volume and ticket you typed | N/A — correct the application or explain the gap in writing | Hope they skip the PDF page |
| I can omit thin months | No. Gaps and thin months are the point of the ask | Full consecutive months they requested | Photoshop or drop bad months |
| Prior processor history does not need to show on the bank | If you claim prior volume, deposits should show processor / PayFac settlement | Which deposits are processing settlement | Claim history with empty bank months |
| This page is the underwriting pack | No. The pack ticks whether statements are ready. This map is why they ask | N/A — tick the pack after the PDFs match | Skip matching because the pack box is checked |
Filter the claim. Underwriters use statements to match deposits to the volume story. Send the months they asked for. Wrong entity or orphan PDFs stall the file.
Pairing procedure: Why underwriters want months of bank statements. Topic: MIDs.
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