Average monthly deposits, average daily balance, negative days and NSFs, existing advance payments, time in business and credit score.
Check my optionsRequirements
Lenders review a different set of indicators depending on the product. Revenue-based funders read the bank account closely; banks and SBA lenders add profitability, leverage and coverage ratios from financial statements and tax returns.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Approved files are usually funded the next business day.
You can apply at 500; stronger credit opens more products.
A human reads the file, not just an algorithm score.
Advances, lines of credit and second-position options in one place.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Bank-account indicators come first for revenue-based funders. Average monthly deposits show capacity; the number of deposits per month shows how diversified revenue is; the average daily balance shows cushion; negative days and returned items show strain; and recurring debits to other funders show existing obligations. Credit is reviewed too, with options from 500.
Banks add profitability indicators. Gross margin shows pricing health; net profit margin shows what remains after all costs; and trends across two or three years of tax returns show direction. A business with rising revenue but falling margins may face more questions than one with stable, modest growth.
Leverage and coverage indicators matter for larger loans. Debt service coverage ratio, net operating income divided by annual debt payments, is a central bank metric, with many lenders looking for something like 1.25 or higher. Debt-to-equity or debt-to-income ratios show how much the business already owes relative to its size.
Liquidity indicators show short-term health. The current ratio, current assets divided by current liabilities, and days sales outstanding, how long customers take to pay, indicate whether the business can meet near-term obligations. High receivables with slow collection can reduce what a bank will lend.
Owner indicators complete the picture: personal credit score and history, other personal debts and, for SBA loans, owner equity in the business.
You can track most of these monthly. MFE reviews the bank-account indicators directly, so keeping deposits steady and balances positive is the most practical step before applying.
Some lenders also look at customer concentration. If one customer accounts for a large share of revenue, losing that customer would sharply reduce repayment capacity. Showing a diversified customer base, or a long-term contract with a major customer, addresses that concern.
Trend direction matters across all indicators. Improving margins, rising deposits and falling negative days tell a better story than strong but declining figures.
Here is an offer shaped mainly by bank-account indicators. Illustrative numbers.
| Business bank statements | 3–6 months, PDF from the bank |
| Month-to-date activity | Recent transactions |
| Government ID | Owner(s) with 50%+ |
| Voided business check | For funding and payments |
| Existing advance details | Balance and payment of each |
| Business details | EIN, address, start date |
Complete files get faster decisions and larger offers.
| Average deposits, count, balance | Revenue-based funders |
| Negative days, returned items | Revenue-based funders |
| Gross and net margin | Banks and SBA |
| Debt service coverage ratio | Banks and SBA |
| Current ratio, DSO | Banks, larger requests |
Good fit:
Probably not yet:
Deposits, balances and obligations for revenue-based funders; margins, coverage and leverage for banks.
Net operating income divided by annual debt payments.
Many look for around 1.25 or higher.
They signal a new payment may not clear.
The average time customers take to pay.
Options begin at 500.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding