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Banker Partner Tool

Declined Applicant Qualification Checklist

Run through this before making any referral. A well-screened referral gets approved. An unscreened one wastes your credibility.

0 / 18 checks

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Decline Reason Analysis

Declined primarily for insufficient collateral — not cash flow or payment history problems
Declined because business is under 2 years old — meets MCA minimum of 6–12 months
Declined because loan amount was below bank minimum — MCA starts at $15,000
Declined for thin credit file — not derogatory credit history

Business Fundamentals

US-based, legally operating business with a verifiable physical address
$15,000 or more per month in business bank deposits (not personal account)
Business has been actively depositing into bank account for 6+ months
Has a specific, legitimate use for the funds: equipment, inventory, payroll, expansion

Cash Flow Health

Fewer than 3 NSFs in any single recent month (you have visibility into this from the application)
Deposits occur 3+ times per week — not one large monthly direct deposit
Average daily balance positive — not consistently running near zero or negative
No active wage garnishments, IRS levies, or court-ordered holds on the account

Existing Obligations

0 or 1 existing MCA positions currently deducting from the account
Existing MCA payments (if any) represent less than 20% of monthly deposits

Disqualifiers — Check These Last

If any apply, do not refer at this time.

Declined for suspected fraud or documentation falsification
Active bankruptcy (Chapter 7 or 11)
3+ existing MCA positions currently deducting daily
Revenue has declined 30%+ in the last 90 days with no explainable reason
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Qualification items confirmed
Complete the checklist to see your recommendation.

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