How should average daily balance affect lender matching?

I include average daily balance with revenue because two files with identical deposits can have very different cash cushions.

The calculation period matters. A full statement-month average is different from a few selected ending balances.

Use the lender’s published minimum when available and preserve the calculation method used by the statement analysis.

If the current month is much weaker than prior months, should the matcher use the historical average or the current month?

Return both when available and identify which one the lender criterion references. Do not silently blend periods.

That lets the merchant understand why strong annual revenue may not offset a thin current cash position.

I would also show the lowest observed balance and negative-day count beside the average for context.

Those are separate fields. Keeping them separate prevents a healthy average from hiding repeated cash shortages.

If a lender has no sourced balance rule, mark it unknown rather than inventing a threshold from past approvals.

So match on sourced thresholds, expose the period and related balance facts, and leave the final cash-flow judgment to underwriting.