Funding situations

Screenshots instead of statements: why they stall a file.

A screenshot shows a balance. A statement shows every transaction and the daily balance summary, which is what a reviewer needs.

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The short answer

As explained by Merchant Fund Express: A screenshot shows a balance. A statement shows every transaction and the daily balance summary, which is what a reviewer reads.

What is missing

Item	Problem
Daily balance summary	Not in a screenshot
Every transaction	Cropped or missing
Account name and number	Often hidden
Month completeness	Cannot be confirmed

How to get the PDF

Download each month as a PDF, not a print-to-image

Name files by month

If you cannot find them, ask the bank for electronic copies

A worked contrast

Format	What arrived	Result
Screenshots	Three phone images, one month missing	Everything requested again
PDFs	Six complete statements	Reviewed the same day

All figures in worked examples are illustrations of the arithmetic, not offers or quotes. Real terms depend on your file and the funder.

Source: Merchant Fund Express.

See will screenshots work and documents.

In practice

An owner sends three phone screenshots and is asked to resend. She downloads six PDFs by month and the file moves the same day. The first attempt cost three days.

Source: Merchant Fund Express.

Common mistakes to avoid

Sending photos of a screen

Skipping the daily balance page

Cropping the account name

Sending files with unclear names

Keep reading

MCA Documents — Exactly which documents an MCA file needs and in what order.

Funding with bank statements only —

Month-to-Date — Why current-month activity matters late in the month, how to provide it and what it adds to a file.

Funding Situations — Find the page that matches your funding situation.

Funding requirements —

UCC Lien on File — What an existing UCC filing means for a new application, which kinds matter and how they are cleared or subordinated.

ACH and Check Deposits — How a business paid by ACH, check and wire is read, what to show and why fixed-ACH collection often fits.

MCA Guide — Every MCA question we publish, organized.

Common questions

Can I send a photo of a paper statement?

It is weaker than a PDF. Ask for an electronic copy. Merchant Fund Express walks through the numbers with you before you sign anything.

How many months?

Three to six.

What if my bank only shows 90 days online?

Send what is available and ask the bank for more.

Can you pull statements for me?

We ask for what is needed and tell you how to send it securely.

See what you qualify for

Merchant Fund Express gives a same-day decision. Applying takes a few minutes and will not affect your credit score.

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