Bank Statement Converter for a Bakery Business Loan

Bakeries generate revenue from retail walk-in sales, wholesale accounts, custom orders, and catering — each with different payment cycles. Converting business bank statements to Excel shows a lender all revenue streams together and the net cash flow that supports an oven upgrade, expansion lease, or SBA working capital loan.

Key Benefits

• Capture daily POS settlements, wholesale account deposits, and custom order payments
• Show recurring wholesale client deposits separately from variable retail revenue
• Separate baking revenue from ingredient suppliers, equipment leases, and payroll
• Produce 12 months of business bank history for SBA or commercial equipment loan
• Export to Excel so a lender can calculate average monthly revenue and net margin

How It Works

1. Step 1: Upload your business checking account PDF statements
2. Step 2: The converter extracts all transactions with amounts and descriptions
3. Step 3: Download Excel and total deposit rows by month to show revenue trend
4. Step 4: Attach to your loan package with your health permit, equipment list, and lease

Frequently Asked Questions

I sell through both a storefront and local grocery stores. How do I show both revenue streams?

Both appear in your business bank statement — daily POS settlements from the storefront and ACH payments from grocery distributors. The Excel export separates them by description so a lender can see both income channels.

I'm opening a second bakery location. What does a lender need from me?

At minimum: 12–24 months of business bank statements from the existing location showing profitability, a signed lease for the new location, and a business plan. Consistent monthly deposits from the first location are the core evidence that a second is viable.

Convert a Statement Free