Working capital loans are based on bank balances and/or monthly deposits. Other criteria are also considered for bank statement loans. For example, consistency and/or growth of revenue, whether the business owner or business has bankrupties, judgments, or liens. Cash-flow is the main determining factor, but credit can sometimes make the difference between a starter business loan and a preferred or premier commercial loan. Bad credit is often okay, but usually impacts both the amount and terms of the loan (if approved). A good lending company can take a quick look at your bank statements and give you a fairly good estimate of what amount and terms you can expect if approved.