Convert Bank Statement to Cash Flow Statement

A bank statement is the most direct source for a cash-basis cash flow statement. Convert your PDF to Excel and categorize transactions as operating, investing, or financing activities to produce a simple cash flow statement for lenders, investors, or accountants.

Key Benefits

• Exports all cash inflows (deposits) and outflows (debits) to Excel
• Categorize as operating, investing, or financing activities
• Supports SBA loan, commercial mortgage, and investor documentation
• Works with business and personal bank accounts
• 12-month export for annual cash flow statement preparation

How It Works

1. Step 1: Upload your bank statement PDF
2. Step 2: Select Excel output
3. Step 3: Download and tag transactions by activity type
4. Step 4: Calculate net cash from each activity section

Frequently Asked Questions

How do I create a cash flow statement from a bank statement?

Export your bank statement to Excel. Separate transactions into three groups: Operating (revenue, payroll, rent, utilities), Investing (equipment purchases, property sales), and Financing (loan proceeds, loan payments, owner draws). Sum each group. Net cash from operations = revenue deposits minus operating expense debits. This cash-basis format is accepted by most small business lenders.

Is a bank statement cash flow statement accepted by lenders?

Yes. For small businesses without formal GAAP financials, SBA lenders, alternative lenders, and many community banks accept a cash-basis cash flow statement derived from bank statements. The key metrics they want are average monthly operating cash inflows and average monthly debt service payments, both visible in your Excel export.

Convert to Cash Flow Statement Free