Business Health Scorecard

Professional MCA underwriters evaluate: (1) Monthly revenue consistency — stable or growing deposits; (2) Average daily balance — higher is better; (3) NSF/overdraft frequency — fewer is better; (4) Time in business — longer operating history = lower risk; (5) Industry type — categorized by risk tier; (6) Existing obligations — current MCA positions and loans; (7) Deposit frequency — daily deposits are ideal; (8) Revenue trend — growing, stable, or declining over recent months. Our scorecard evaluates all eight factors to generate your fundability score.

Businesses scoring in the top tier (80-100) typically receive factor rates of 1.10-1.20, advance amounts of 100-150% of monthly revenue, terms of 9-12 months, and offers from 10+ funders. Mid-tier scores (50-79) see rates of 1.20-1.35, 75-100% advances, 6-9 month terms, and 5-10 funders. Lower scores (below 50) may still qualify but face rates of 1.35-1.50, 50-75% advances, shorter terms, and fewer options. Knowing your tier helps set realistic expectations.

Several score improvements can be achieved quickly: deposit all cash revenue (many businesses leave cash undeposited, weakening their bank statements), eliminate NSF incidents by setting up low-balance alerts, maintain a higher average daily balance by timing bill payments strategically, and reduce the number of negative balance days to zero if possible. These changes take 30-60 days to reflect in bank statements but can improve your score by 10-20 points.

Our Business Health Scorecard provides an estimate based on your self-reported answers. For the most accurate evaluation, our bank statement analysis examines your actual financial data — every deposit, withdrawal, daily balance, and transaction pattern. The self-assessment gives you directional guidance, while the bank statement analysis provides the specific numbers that funders will see. Both are free and anonymous, and we recommend starting with the scorecard and then uploading statements for precision.