[Amiran5]

What is a good average daily ledger balance to gross monthly sales ratio?

What do underwriters count or don't count as deposits?

What do they look at when they see revenue vs how much is being taken out monthly by loans?

I am trying to get a little more familiar with this type of stuff as I am training someone to review deals and send them to the funders I work with.

I usually have a ballpark idea of who to send deals to but I would like the person I am training to be as accurate as possible.

Any other help would be much appreciated.

[ESE5020]

What is a good average daily ledger balance to gross monthly sales ratio?

What do underwriters count or don't count as deposits?

What do they look at when they see revenue vs how much is being taken out monthly by loans?

I am trying to get a little more familiar with this type of stuff as I am training someone to review deals and send them to the funders I work with.

I usually have a ballpark idea of who to send deals to but I would like the person I am training to be as accurate as possible.

Any other help would be much appreciated.

I think everyone has different perspectives, and I'm sure someone else can give you a better/ more polished idea or explanation. But one of the biggest things we look at, is where the deposits come from. Maybe its because we are always in high risk files, but for us we want to see where deposits are coming from and if they are strong/recurring receivables.

[dfite]

Everyone is a little different, but there are a few standards.

When counting deposits; loans, refunds, and transfers are not counted and some lenders will exclude wires as well.

Daily ledger should be above 1,000 for a good deal ans above 100 at minimum.