Requirements for Boston Businesses
500+
Minimum FICO score
$8K+
Avg monthly deposits
6 mo
Minimum time in business
24–72 hrs
Funding decision timeline
The most active MCA industries in Boston are healthcare, construction, restaurants, professional services, and retail. MCA qualification is based on monthly deposits in your business bank account — not collateral, tax returns, or personal assets. Bank declines do not affect eligibility.
How Boston Businesses Apply
- Complete the one-page application — business name, industry, owner info, estimated monthly revenue. Takes 10–15 minutes.
- Upload 3 months of bank statements — all pages showing all deposit activity in your business checking account.
- Receive offers in 24–48 hours — multiple funders compete through the Mom & Pop network, driving rates down.
- Sign and receive funds in 1–3 business days — no closing agent, no attorney, no site visit required.
Get Funded — Boston Businesses Welcome
Bank declines accepted. No collateral required. No obligation. Decisions in 24–72 hours.
Check My Boston Business Eligibility →✓ No obligation ✓ Soft pull only ✓ Free to apply ✓ Bank declines welcome
Boston Business Funding FAQ
Can Boston restaurants get merchant cash advance funding?
Boston's high-density restaurant market — from the North End to the South End to Cambridge — is among the most active MCA markets in New England. Requirements: 6+ months in business, $8,000+/month in deposits, 500+ FICO. High operating costs (labor, food, rent) make Boston restaurants frequent users of MCA for emergency equipment replacement, seasonal hiring, and gap coverage.
Do Boston construction companies qualify for MCA?
Yes — Boston's construction activity, driven by the ongoing life sciences and mixed-use development boom, creates constant working capital demand for contractors. Requirements: 6+ months in business, $8,000+/month in deposits, 500+ FICO. Boston-area contractors waiting on AIA draw schedule payments are among the highest-frequency MCA users in the region.
How fast can a Boston business get funded?
Boston businesses typically receive approval in 24–48 hours and funding in 1–3 business days. Application takes 10–15 minutes. Most businesses that apply Monday morning are funded by Wednesday afternoon. Same-day funding is available for clean files with select funders.
Can Cambridge or Somerville businesses get MCA?
Yes — MCA is available to all Greater Boston businesses: Cambridge, Somerville, Quincy, Newton, Brockton, Worcester, Lowell, Springfield, and all of Massachusetts. No location restrictions. Businesses in Cambridge tech corridors and Somerville restaurant rows qualify under the same standards as Boston businesses.
What is the FICO minimum for Boston MCA?
500 FICO is the minimum. Many Boston businesses with strong revenue but challenged credit — especially those that carried PPP or EIDL debt from the pandemic years — qualify for MCA when traditional bank financing is unavailable. Revenue and deposit history matter more than credit score.
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