Many bank statement loan specialists can identify the likelihood of a deal fairly quickly by reviewing bank statements. Smaller and less specialized firms often collect “commitment fees” to cover the expense of effort involved in acquiring an approval, and then having the applicant decline the offer. The best companies review potential terms, up front, with a customer… which (with a reputable lending source) results in them not requiring any additional or upfront fees. Many small business owners are now obtaining bank statement advances at close to bank rates, but for others, there are always bad credit cash advances…. and many terms/rates in between.