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💰 Revenue & Deposits
Monthly deposits exceed $4,000 (minimum threshold)
Underwriters verify minimum monthly deposits before any other review. This is a hard floor — below $4K disqualifies most applications.
Consistent deposit history — no 30+ day gaps in the last 3 months
Gaps in deposits signal seasonal or unstable revenue. Regular deposits — even smaller ones — demonstrate an active, operating business.
Active business checking account (not personal account)
MCA underwriting reviews business accounts only. Mixing personal and business funds is a red flag and can reduce offer size.
Deposits spread throughout the month (not all end-of-month)
Lump-sum end-of-month deposits suggest invoice-based business or artificial timing. Regular deposits demonstrate genuine revenue flow.
No large unexplained withdrawals or NSF fees in last 90 days
NSF (insufficient funds) fees and large unexplained outflows are underwriting red flags. They suggest cash management problems that affect approval odds.
🏢 Business History
Business has been operating for 6+ months (12+ preferred)
Minimum 6 months in business is a hard requirement. 12+ months significantly improves approval odds and factor rate.
Business has a legal name (LLC, Corp, DBA, or Sole Prop)
Must be an established legal business entity. Applications must match the business bank account holder name.
Business is registered in your state (where applicable)
LLCs and corporations must be registered and in good standing. Sole proprietors and DBAs need verifiable business identity.
Business has a physical or verifiable online presence
Underwriters confirm the business is real and operating. A Google Business listing, website, or physical address is sufficient.
📄 Documentation Ready
Last 3 months of business bank statements (all pages)
The most critical document in the application. All pages of all 3 months — complete statements, not summaries. PDFs from online banking are fine.
Voided business check (or bank letter with routing/account numbers)
Required for ACH setup to fund your account and collect repayments. Must match your business bank account.
Government-issued photo ID (driver's license or passport)
Identity verification required for all business owners with 20%+ ownership. Standard compliance requirement for all funders.
Business EIN or Social Security Number (for sole proprietors)
Required on the funding application. Used for soft credit inquiry (does not impact credit score in most cases).
Business application completed with accurate information
Application information must match bank statements. Inconsistencies between application data and bank statement data delay or kill deals.
Know how much funding you need and what you'll use it for
Having a clear, specific funding amount and use of funds demonstrates business planning and reduces underwriting friction.
💪 Business Health
No open or active bankruptcy filing
Active bankruptcy is a hard disqualifier for nearly all MCA funders. Discharged bankruptcy (completed) may still qualify depending on time elapsed.
Business is currently generating revenue (not pre-revenue)
MCA is based on existing revenue — it is not startup funding. You must have a demonstrated, active revenue stream.
Business is NOT in a restricted industry (cannabis, gambling, adult entertainment)
Certain industries are restricted by most funders regardless of revenue. Check the Fundability Score tool for a full list of industry classifications.
If existing MCA advances exist — know your current balance(s)
Stacking (multiple active MCAs) is evaluated carefully. Knowing your payoff amounts allows us to structure a consolidation or net-new offer correctly.
Business owner can be reached by phone for follow-up questions
Funding decisions require a brief verification call with the business owner. Unavailability slows the process significantly.
Checklist complete? Apply in 10 minutes.
Bring your 3 months of bank statements and we'll handle the rest.
Apply for Funding →