Merchant Cash Advance / Guidelines
Merchant cash advance guidelines
The full snapshot of what we're funding right now. If your business shows a 550+ FICO and at least $10K in monthly revenue across 4–6 months of statements, we can almost certainly put an offer in front of you.
| Guideline | Current program |
|---|---|
| Funding amount | $10,000 – $2,000,000 (unsecured) |
| Minimum FICO | 550 personal credit score |
| Bank statements | 4 – 6 months of business bank statements |
| Minimum revenue | $10,000+ in average monthly business revenue |
| Business type | U.S. LLC, corp, or sole prop with EIN |
| Positions funded | 1st, 2nd, 3rd, 4th, 5th, and 6th position |
| Payment frequency | Daily or weekly ACH remittance |
| NSFs allowed | Up to 5 across the last 3 months |
| Term length | Typically 3 – 18 months (revenue-dependent) |
| Collateral | None — unsecured working capital |
| Funding speed | Same-day for complete files by 3:00 PM |
Final pricing, term, and position depend on your bank profile, existing balances, and industry. Pricing and holdback are quoted in writing before you sign.
Required documents
Send these together to be eligible for the 3:00 PM same-day funding window.
- Signed 1-page application
- 4 – 6 months of business bank statements (PDF, all pages)
- Voided business check (for funding wire/ACH)
- Copy of driver's license
- Proof of ownership (LLC formation, articles, or EIN letter)
Ready to submit?
Get matched with an offer today
- Term sheets in hours, not days
- Multiple positions considered on one file
- Renewals and consolidations welcome