Your Business Profile
Estimated Qualification
How Bank Statement Qualification Actually Works
Deposits Matter More Than Credit Score
MCA underwriting evaluates your business's actual cash flow first. A 550 FICO business depositing $60,000/month consistently is often viewed more favorably than a 700 FICO business depositing $10,000/month.
Consistency Beats Peaks
One exceptionally strong month doesn't raise your qualification as much as steady, predictable deposits every month. Underwriters look for a reliable pattern, not a single best month.
NSFs Can Matter More Than FICO
Frequent non-sufficient-funds (NSF) incidents in your bank statements are one of the most common reasons for a lower offer or decline — often a bigger factor than credit score alone.
Time in Business Widens Your Range
Businesses with 2+ years of operating history and consistent deposits typically access the top of the qualification range (up to ~150% of monthly deposits). Newer businesses (6-12 months) usually see a narrower, more conservative range.
Frequently Asked Questions
Most businesses qualify for 75% to 150% of their average monthly bank deposits, with the exact multiple depending on credit score, time in business, and industry. A business depositing $30,000/month typically qualifies for $22,500 to $45,000.
Most MCA underwriting requires 3 to 6 months of business bank statements. Some funders will consider fewer months for businesses with strong, consistent deposits. Use the document readiness checker to confirm what you'll need.
Yes, but less than with a traditional loan. Credit score mainly affects your factor rate and the upper end of your qualification multiple, not whether you qualify at all. Monthly deposit consistency is typically weighted more heavily than credit score in MCA underwriting.
No. This tool provides an educational estimate based on typical industry qualification patterns. Actual approval, amount, and factor rate depend on a full review of your bank statements and are determined by the funder underwriting your specific application. Results may vary.
Ready to See Your Real Offer?
This estimate is educational. Apply to get an actual offer based on your real bank statements — soft pull only, no obligation.
Apply Now →