What is a fundability score?

A fundability score is a 0–100 rating that estimates how likely your business is to qualify for merchant cash advance funding based on key underwriting factors: monthly revenue, time in business, amount requested relative to revenue, existing advances, and industry.

What score do I need to qualify for an MCA?

A score of 55 or higher typically indicates a strong application. Scores of 35–54 represent borderline cases that may qualify with additional review. Scores below 35 suggest the application may not meet current underwriting criteria.

Business Fundability Score — Check Your MCA Approval Odds

Your Business Profile

All fields are used to calculate your score. No account required.

Average Monthly Revenue (Bank Deposits)

Based on your business bank account deposits, not gross sales.

Time in Business

How Much Funding Do You Need?

Industry

Do you have any existing MCA advances or business loans?

Business Type

No account required. Results are instant and private.

How scores are calculated

Monthly Revenue Up to 30 pts

Time in Business Up to 25 pts

Funding Request Size Up to 15 pts

Existing Advances ±10 pts

Industry ±15 pts

Minimum Requirements

✅ 6+ months in business
✅ $4,000+ monthly deposits
✅ Active business bank account
✅ 500+ credit score
✅ Existing revenue stream

What to Do Next

📋

Prepare Your Application

Use the Funding Qualification Checklist to gather everything you need before applying.

Open Checklist →

📈

Improve Your Score

If your score is below 55, read the Approval Odds Guide for a step-by-step improvement plan.

Read Guide →

💰

Calculate Your Payment

Use the MCA Calculator to see exactly what your repayment and daily/weekly payment would look like.

Open Calculator →

Score 55 or above? You likely qualify.

Apply now and get a real decision — not an estimate — in 24–48 hours.

Apply for Funding →

10-minute application. No obligation. No impact to credit score to apply.

What's Your Business Fundability Score?