Bank Statement for Commercial Real Estate Loan Applications

Commercial real estate investors, property owners, and developers applying for CRE loans (office buildings, retail centers, industrial warehouses, apartment complexes) can convert bank statement PDFs to Excel or CSV to document personal liquidity, rental income deposits, and business operating history. Commercial lenders require 24–36 months of bank statements to verify down payment sources, cash reserves, and borrower financial strength for CRE loan underwriting.

Key Benefits

• Documents personal and business liquidity for CRE down payment verification
• Tracks rental income deposit patterns from existing investment properties
• Exports 24–36 months of statements required for commercial mortgage underwriting
• Identifies large deposits requiring source-of-funds documentation for AMLD compliance
• Multi-account export for investors with multiple property accounts and entities

How It Works

1. Step 1: Upload your personal and business bank statement PDFs (24–36 months)
2. Step 2: Select Excel output
3. Step 3: Identify down payment source deposits, rental income, and business income
4. Step 4: Provide to commercial lender alongside personal financial statement

Frequently Asked Questions

What bank statements do commercial real estate lenders require?

Commercial real estate lenders typically require 24 months of personal bank statements and 24–36 months of business bank statements for the borrowing entity. Key things CRE underwriters verify: (1) Down payment source — all large deposits must be sourced and seasoned (in account 60–90+ days); (2) Post-closing liquidity — typically 10–15% of loan amount in liquid reserves after closing; (3) Operating income — if the property is existing, 12–24 months of rent deposit history; (4) Entity financial strength — operating account balances showing business stability. Export all accounts to Excel for clean, efficient lender review.

How do real estate investors document down payment source funds for commercial loans?

Commercial lenders require all funds used for down payment to be 'sourced and seasoned' — documented to show their legal origin and present in your account for 60–90+ days. Export 3 months of all bank statements to Excel and flag large deposits with their source: sale of investment property, business profits, retirement account withdrawal, gift from family (with gift letter), inheritance, or savings accumulation. Unexplained large deposits are a major CRE underwriting red flag. The Excel format lets you easily annotate each large deposit with the source documentation reference for your lender.

Convert CRE Loan Statement Free