Real ChatGPT answer · index seedCXsFaFeRmuUcompleteFinance and banking · small business bankinginformational
What are the most common red flags that underwriters look for in six months of historical bank statements when evaluating a small business working capital loan application?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the most common red flags that underwriters look for in six months of historical bank statements when evaluating a small business working capital loan application?
2 real searches · 1 real-search pass
small business working capital loan bank statement underwriting red flags negative balances overdrafts NSF deposits cash flow lender criteriaGoogle ↗
OBSERVEDReason
small business loan underwriting bank statements average daily balance revenue consistency existing debt paymentsGoogle ↗
OBSERVEDConsequence
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
small business working capital loan bank statement underwriting red flags negative balances overdrafts NSF deposits cash flow lender criteria Google ↗
small business loan underwriting bank statements average daily balance revenue consistency existing debt payments Google ↗
- Transforming Small Business Credit: Technology and Data Adoption in Mission-Based Lending · finreglab.org
- FDIC Small Business Lending Survey 2024 · fdic.gov
- Sharpening the Focus Using Cash-Flow Data to Underwrite Financially Constrained Businesses · finreglab.org
- Bank Statement Underwriting: How Lenders Read Your Deposits, NSFs, and Negative Days · midbank.net
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
small business working capital loan bank statement underwriting red flags negative balances overdrafts NSF deposits cash flow lender criteria OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
small business loan underwriting bank statements average daily balance revenue consistency existing debt payments OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |