MCA Funding Amount Estimator
MCA amounts aren't arbitrary — they follow a formula based on your average monthly deposits and a profile-based multiplier. Understand the formula, see your estimate, and know what levers move the number before you apply.
MCA amounts are typically 75%–150% of your 3-month average monthly deposits. A business averaging $20,000/month can typically access $15,000–$30,000. Your specific multiplier depends on FICO score, time in business, NSF frequency, and whether you have an existing advance. Higher deposits + clean profile = larger advance at better terms.
Underwriters use a straightforward calculation. Here's how it works.
| Profile | Typical Multiplier | Example: $20K/Month Deposits | What Gets You Here |
|---|---|---|---|
| Elite | 1.5x–2.0x | $30,000–$40,000 | 680+ FICO, 3+ years, 0 NSFs, no existing advance |
| Strong | 1.2x–1.5x | $24,000–$30,000 | 620+ FICO, 2+ years, 0–1 NSFs, clean history |
| Good | 1.0x–1.2x | $20,000–$24,000 | 580+ FICO, 1+ year, 0–2 NSFs, no major issues |
| Standard | 0.9x–1.0x | $18,000–$20,000 | 550–579 FICO, 6–12 months, 1–3 NSFs |
| Thin File | 0.75x–0.9x | $15,000–$18,000 | 500–549 FICO, under 1 year, 2–3 NSFs |
Based on your average monthly deposits — apply the multiplier from your profile above to get your personal range.
These are estimates only. Actual advance amounts depend on your full underwritten profile. Call 330-238-3003 for a personalized assessment.
Every factor below affects your multiplier — which directly affects your advance amount.
See how different profiles produce different advance amounts from the same deposit volume.
MCA amounts are typically 75%–150% of your average monthly bank deposits. A business averaging $20,000/month in deposits can typically receive $15,000–$30,000. The specific amount depends on your full risk profile: FICO, NSF frequency, time in business, and existing advance obligations.
MCA Amount = (3-month average monthly deposits) × multiplier. The multiplier ranges from 0.75x to 1.5x, occasionally up to 2x for very strong files. Underwriters apply the multiplier based on your full risk profile.
There is no hard maximum — MCA amounts can range from $5,000 to $2,000,000+. The practical ceiling for most small businesses is roughly 1.5x their average monthly deposits. Larger amounts require multiple funders or stacked positions.
Yes, but indirectly. FICO primarily affects the multiplier and factor rate — not eligibility. A 650+ FICO may yield a 1.3x multiplier while a 550 FICO may yield a 0.9x multiplier on the same deposit base — a meaningful difference in offer size.
Yes — called second position or stacking. Some funders will advance on top of an existing MCA. Second-position advances are typically smaller (0.7x–0.8x multiplier) and carry higher factor rates. Most funders require net deposits after the current advance payment to be at minimum threshold.
Most effective levers: increase average monthly deposits (grow revenue), reduce NSF events, improve FICO score over time, build more time in business, reduce existing advance balances before applying, and apply during your strongest revenue season to raise the 3-month average.
No. The amount offered is based on your specific underwritten profile. You can negotiate by providing additional documentation or having multiple funders compete for your file. The estimates on this page are ranges, not guarantees.
Share your 3 months of bank statements and we'll give you a real estimate — not a range based on averages. 24–48 hour turnaround, no commitment required.
Or call/text: 330-238-3003
