Do You Meet Minimum Requirements?

Most MCA funders evaluate four basic requirements: (1) Minimum monthly revenue — typically $10,000-$15,000 in monthly bank deposits; (2) Time in business — at least 4-6 months of active operations; (3) Active business bank account — showing regular deposits and activity; and (4) No active bankruptcies — open bankruptcy filings typically disqualify applications. Meeting all four doesn't guarantee approval, but failing any one usually means immediate decline. Our checker evaluates these requirements and tells you exactly where you stand.

Your monthly revenue is the single most important qualification factor for merchant cash advances. The minimum threshold for most funders is $10,000-$15,000 in monthly bank deposits. This isn't your gross sales — it's what actually hits your bank account. Some funders accept as low as $7,500 for micro-advances. Businesses with $25,000+ monthly revenue are considered strong candidates with access to the best rates and highest amounts. Cash-heavy businesses should ensure they're depositing most revenue to show the strongest possible bank statement picture.

The most common disqualifiers are: active bankruptcy (Chapter 7, 11, or 13), insufficient monthly revenue (below $7,500-$10,000), too new in business (under 3-4 months), no business bank account, and being in a restricted industry. Notably, bad personal credit does NOT automatically disqualify you — many MCA funders approve merchants with scores as low as 500. Tax liens, judgments, and previous defaults are negatives but not necessarily disqualifiers if your current bank statements are strong.

Meeting minimum requirements gets you in the door, but strong applications have: consistent daily deposits (no big gaps), average daily balance above $2,000, minimal NSF/overdraft occurrences, growing or stable revenue trends, 12+ months in business, and no existing MCA positions. The difference between a basic qualifier and a strong qualifier can mean factor rates of 1.15 vs. 1.40 — thousands of dollars on a typical advance. Use our Business Health Scorecard for a comprehensive evaluation beyond just minimums.