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Free Assessment · 2 Minutes

What's Your Business Fundability Score?

Answer 6 questions and get an instant 0 to 100 score showing your merchant cash advance approval probability: based on real underwriting criteria.

Warehouse worker checking stock against a clipboard beside shelves of boxes
A fundability score works the same way as checking stock against a clipboard: a quick, honest read on where things actually stand before you commit to anything.

Your Business Profile

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

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

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
How the Fundability Score is weighted, from the breakdown above Bar chart of the point breakdown above: Monthly Revenue contributes up to 30 points, Time in Business up to 25, Funding Request Size up to 15, Industry plus or minus 15, and Existing Advances plus or minus 10, out of a 100-point scale. Revenue 30 pts Time in Business 25 pts Industry up to 15 pts Request Size 15 pts Existing Advances up to 10 pts

Minimum Requirements

  • ✅ 6+ months in business
  • ✅ $4,000+ monthly deposits
  • ✅ Active business bank account
  • ✅ 500+ credit score
  • ✅ Existing revenue stream
Warehouse employee scanning stock on a tablet in front of pallet racking
Once you know your number, the next step is the same for a business like this one as it is for any other: use it to decide what to prepare before applying.

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, with timing set by the funding provider after review.

Apply for Funding →

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

Fundability Score FAQ

What is a fundability score?
A fundability score is a 0 to 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 to 54 represent borderline cases that may qualify with additional review. Scores below 35 suggest the application may not meet current underwriting criteria.
What factors determine my fundability score?
Your fundability score is based on five factors: monthly bank deposits, deposit consistency, FICO score, time in business, and existing advance balances. Higher scores in each category compound into a better overall funding profile and access to more competitive terms.
Does checking my fundability score affect my credit?
No. The fundability score assessment uses a soft credit inquiry only, which does not affect your FICO score. A hard inquiry only occurs if you formally apply for funding and the lender requires it: which MCA funders typically do not for initial qualification.
How can I improve my fundability score quickly?
The fastest improvements come from reducing overdrafts (immediate), increasing average daily balance (30 days), and consolidating deposits into one primary business account (immediate). FICO improvements take longer: 60 to 180 days depending on the specific factor you are improving.