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Bank Statement Qualification Estimator

Quick Answer

Enter your average monthly bank deposits, time in business, and credit tier below. Most businesses qualify for 75%-150% of average monthly deposits; this tool estimates where in that range your profile likely falls.

See an estimated funding range based on the same factors MCA underwriters actually weigh. No email required, not a credit check.

Your Business Profile

$5K$300K
$
Your average across the last 6 consecutive months of business bank statements, before any withdrawals.
T.A.G. underwriting requires 6 consecutive months of business bank statements.
$
Roughly your monthly deposits ÷ 21.7 business days. Consistent daily deposits (vs. one large monthly deposit) strengthen your profile.
A soft estimate only, based primarily on your deposit history, not credit score alone.

Estimated Qualification

Verdict ✅ Likely Pre-Qualified
Estimated Range $22,500-$37,500
Most Likely Amount $30,000
Estimated Factor Rate Range 1.28-1.40
Documents You'll Need 6 consecutive months bank statements
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A customer at the counter of a small clothing and jewellery shop while an assistant works the card terminal behind it
The estimate above is built from deposits, and deposits are the sum of days like this one.

How Bank Statement Qualification Actually Works

Estimated qualification multiplier and factor rate by credit tier A four-column comparison of estimated qualification multiplier and factor rate range by FICO credit tier: 700 plus, 650 to 699, 550 to 599, and 500 to 549, showing that stronger credit tiers access a higher multiplier of monthly deposits at a lower factor rate. Estimated Qualification by Credit Tier 700+ FICO 0.90x-1.50x Rate 1.15-1.25 650-699 FICO 0.85x-1.30x Rate 1.20-1.32 550-599 FICO 0.75x-1.10x Rate 1.28-1.40 500-549 FICO 0.75x-0.95x Rate 1.35-1.45

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.

A shop owner writing on paperwork at a table stacked with packing boxes, beside a rail of clothing and a laptop
Steadiness is what a reviewer is reading for. An owner who packs and records orders the same way every week produces statements that show it.
Relative underwriting weight of qualification factors A horizontal bar chart showing relative underwriting emphasis: deposit consistency weighted highest, average monthly deposit volume next, NSF frequency after that, time in business next, and credit score weighted lowest among these factors. Deposit Consistency Monthly Deposit Volume NSF Frequency Time in Business Credit Score Illustrative relative emphasis only; every application is still reviewed as a full file by the funding provider.

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.

T.A.G.'s underwriting requires 6 consecutive months of business bank statements, spanning the same 6-month window as the time-in-business minimum. 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.

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