The seven factors at a glance
No single factor decides an application. Underwriters weigh them together, and strength in one area can offset weakness in another. This table shows how each is typically read.
| Factor | What underwriters check | Looks strong | Raises questions |
|---|---|---|---|
| Monthly deposits Real, recurring revenue | Underwriters add up true customer deposits per month and average several months. Transfers between your own accounts and loan proceeds are usually excluded. | Steady or growing deposits over 3 to 6 months. | One strong month surrounded by weak ones, or deposits that are mostly transfers. |
| Average daily balance Your cash cushion | The typical balance in your account across each day, not the ending balance. It shows whether you can absorb a payment on a slow day. | A balance that stays comfortably above a day or two of payments. | Balances that drop near zero right before deposits arrive. |
| NSFs and overdrafts Payment reliability | Returned items and overdraft fees suggest a payment could bounce. Count, recency and pattern all matter. | None, or a small number that are old and isolated. | Several in a recent month, or a rising trend. |
| Existing positions Debt already on your account | Daily or weekly debits to other funders show up in your statements. Funders add them up to see your total payment burden. | None, or a manageable payment relative to deposits. | Multiple daily debits taking a large share of revenue. Refinance may fit better than new funding. |
| Revenue consistency Predictability | Funders compare month to month. Seasonal businesses can still qualify, but the pattern needs an explanation. | Small swings that follow a clear seasonal pattern. | Large unexplained drops, or one customer making up most deposits. |
| Time in business Track record | Many products want at least a few months of history, and lines of credit usually want a year or more. | A year or more of operating history. | Under 3 months, which narrows the options. |
| Credit profile Owner credit | Matters most for lines of credit and term products. Advances weigh deposits more heavily, but credit can still affect price. | Fair-or-better credit with no recent major derogatories. | Recent collections, judgments or bankruptcies. |
How the quiz uses these inputs
The fundability quiz asks for monthly revenue, time in business, credit range, existing payments and the amount you need. It combines them into a 0 to 100 estimate and shows which of our products fit, with the reason for each. It is a planning tool, and your actual bank statements make the final call.
- Inputs: five answers, no credit pull, no documents.
- Result: a score plus product matches and the reason behind each.
- Next step: apply with recent bank statements, or call to talk it through.
Read more on each factor
Monthly deposits
Underwriters add up true customer deposits per month and average several months. Transfers between your own accounts and loan proceeds are usually excluded.
Revenue requirements →Average daily balance
The typical balance in your account across each day, not the ending balance. It shows whether you can absorb a payment on a slow day.
Minimum average balance →NSFs and overdrafts
Returned items and overdraft fees suggest a payment could bounce. Count, recency and pattern all matter.
Do NSFs disqualify you? →Existing positions
Daily or weekly debits to other funders show up in your statements. Funders add them up to see your total payment burden.
How many positions →Revenue consistency
Funders compare month to month. Seasonal businesses can still qualify, but the pattern needs an explanation.
Revenue requirements →Time in business
Many products want at least a few months of history, and lines of credit usually want a year or more.
Time in business →Credit profile
Matters most for lines of credit and term products. Advances weigh deposits more heavily, but credit can still affect price.
Credit for a line of credit →See what fits your revenue
Funding looks different at each size of business. Pick the monthly revenue closest to yours:
Already carrying advances? See MCA refinance and how stacking works. To test payment size, use the calculator.