MCA Funding Timeline · 2026
The funding provider sets the actual decision and funding timeline after reviewing your file. The application itself takes minutes to fill out; what matters most for how quickly a review moves is submitting a complete file the first time: a signed application and 6 consecutive months of business bank statements, uploaded as clean, readable PDFs. For comparison, banks and the SBA publish their own typical ranges of weeks to months for term loans and SBA 7(a) loans.
The real sequence of events, and what's in your control at each stage.
Fill out a 1-page application: business name, EIN, average monthly revenue, ownership info. Attach 6 consecutive months of complete business bank statements (PDF). This is the full documentation requirement. No tax returns, no business plan, no P&L, no collateral documentation. The only thing that delays this step: incomplete bank statements (missing pages, wrong months, statements from the wrong account).
The funder's underwriting team reviews your bank statements: calculating average monthly deposits, counting NSF events, checking average daily balance, and reviewing deposit consistency. Most underwriters use automated bank statement analysis software; human review handles edge cases. How long this takes is set by the provider reviewing your file, and a complete, clean set of statements is the single biggest factor in how smoothly it goes.
You receive a written offer showing: advance amount, factor rate (e.g. 1.28), total repayment amount, estimated daily holdback percentage, and estimated repayment term. You are not obligated to accept. If you applied through T.A.G., we may present multiple offers from different funders so you can compare. Review the offer carefully; total repayment, not just the advance amount, is the number that matters.
The merchant agreement is a legal contract for the purchase of future receivables. It specifies the advance amount, total repayment amount, holdback percentage, and ACH authorization for daily withdrawals. Most agreements are signed electronically (DocuSign or similar). Read the document, specifically looking for: (1) the total repayment amount, (2) the holdback %, (3) any prepayment discount terms. Signing itself takes only as long as reading the agreement carefully.
After signing, the funder initiates ACH or wire transfer to your business bank account, on the schedule that provider sets. Whether a given provider offers ACH, same-day wire, or another method, and how quickly it processes it, is that provider's own operational decision. Funds arrive as a single lump-sum deposit: the full advance amount in one transfer.
Other financing products' own published typical timelines, for comparison. MCA has no fixed timeline of its own: the funding provider sets it after reviewing your file, but the underlying process has fewer steps than these alternatives.
These are the other products' own publicly stated typical ranges, not T.A.G. commitments. See full comparison: MCA vs Business Loan · MCA vs SBA Loan
The most common reasons a review takes longer than it needs to, and how to prevent each one.
Most CommonMissing statement pages, wrong months submitted, or wrong account statements. Underwriters need all 6 consecutive months for the business operating account, not credit card statements, not personal bank statements.
CommonBank statements photographed with a phone, low-resolution scans, or password-protected PDFs that can't be opened. Download the PDF directly from your bank's online portal and submit that file.
ModerateIf your business deposits are split across 2+ accounts, underwriters need statements for all accounts. Missing one account can stall the review. Include statements for every account that receives business revenue.
OccasionalSome funders request a brief verification call after approval, at signing, along with a copy of your driver's license and a voided business check. These are collected only at that later stage, never as part of the initial application, and responding promptly when asked helps the file keep moving.
TimingUnderwriting teams generally work business days. A file submitted while a provider's underwriting is closed is not stalled by T.A.G.; it is simply waiting for that provider to reopen, and review typically resumes as normal once it does.
Amount-BasedAdvances above $250K typically require additional underwriting review from the provider, sometimes including business tax returns for the prior year. Larger advance requests should expect a longer, provider-set review.
The funding provider sets the actual decision timeline after reviewing your file. A complete application, signed application plus 6 consecutive months of business bank statements, gives the provider what it needs to start right away. Incomplete applications, missing statement pages or wrong months, are the most common delay cause and can require documents to be corrected and resubmitted.
Once you sign the merchant agreement, the funding provider schedules the transfer to your business account on its own timeline, whether by ACH or wire. Ask your provider directly which method it uses for your file and what its typical timing looks like.
Speed depends on the provider's own review and disbursement process, not a promise T.A.G. or any broker can make. What you control is submitting a complete, accurate file the first time: a signed application and all 6 consecutive bank statement months, uploaded as clean, readable PDFs from the correct business account. A complete file removes the most common reason a review takes longer than it needs to.
No, credit score does not significantly affect how a file is reviewed. MCA is evaluated primarily on deposit history, not credit. A 520 FICO application with 6 consecutive clean months of bank statements is reviewed the same way as a 700 FICO application. Credit score affects your factor rate (cost), not the review process. The MCA minimum is 500 FICO; above that threshold, the deposit review is the driver.
MCA review is generally faster because it requires only bank statements, not tax returns, business plans, or collateral appraisals, and underwriting is deposit-based rather than credit-committee-based. For comparison, other lenders publish their own typical ranges: traditional bank term loan, 2-4 weeks minimum; SBA 7(a), 30-90 days; business line of credit, 1-2 weeks. See the full MCA vs business loan comparison.
Most funders' underwriting teams work business days, so a file submitted while underwriting is closed simply waits for the provider to reopen; T.A.G.'s own intake keeps moving 24/7 regardless. You can submit your application and documents any time, including weekends and holidays, so the file is ready the moment the provider's review resumes.
There is no fixed approval time; the funding provider sets the actual decision timeline after reviewing your file. A complete application, with a signed application and 6 consecutive months of business bank statements, gives the provider everything it needs to start reviewing right away. Incomplete applications, missing statements, poor-quality scans, or wrong statements submitted, are the most common cause of delays.
Once you sign the merchant agreement, the funding provider schedules the transfer to your business bank account on its own timeline. Some providers use ACH, which typically clears on the next business day; some can offer a same-day wire when the bank account supports it. Ask your provider directly which method applies to your file.
MCA review is generally faster: application to funded once the provider completes its review. Traditional bank term loan: 2-4 weeks minimum. SBA 7(a) loan: 30-90 days. Business line of credit: 1-2 weeks. The speed difference exists because MCA underwriting requires only 6 consecutive months of bank statements (not tax returns, business plans, or collateral), and MCA is not regulated as a loan, so approval decisions don't require committee review.
The most common causes of MCA delays: (1) Incomplete application, wrong months of statements submitted, or statements missing pages; (2) Statement processing issues, PDF statements that can't be read, or statements from multiple accounts not consolidated; (3) Verification call, some funders require a brief phone call to verify business and owner identity; (4) Contract review, first-time applicants sometimes take longer to review the merchant agreement; (5) ACH enrollment, if your bank account is not ACH-enrolled, funding may require an additional step. Submitting a complete, accurate application from the start avoids all of these.
Not significantly. MCA underwriting is primarily deposit-based; underwriters review your bank statements to evaluate average monthly deposits, NSF frequency, and average daily balance. Credit score mainly affects your factor rate (the cost), not how quickly a file can be reviewed. A 520 FICO application with clean bank statements is reviewed the same way as a 700 FICO application.
T.A.G. Business Funding
Apply now with a signed application and 6 consecutive months of bank statements. Funding timing is set by the funding provider after review.
500 FICO minimum · $4K-$6K+/month revenue · Funding timing is set by the funding provider after review
