Frequent negative days, NSFs, undisclosed advances, inconsistent deposits, and requests far above monthly revenue.
Check my optionsRequirements
Many rejections are not about the business being unfundable. They result from avoidable mistakes in timing, disclosure, product choice or the account itself, and most can be corrected before reapplying.
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.
Your file goes to funders that fit it, so offers can be compared.
Approved files are usually funded the next business day.
You can apply at 500; stronger credit opens more products.
Net cash, total payback and payment shown before you sign.
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.
Negative days and returned payments top the list for revenue-based funders. An account that dips below zero several times a month, or shows returned items, signals that a new payment may not clear. Holding a small buffer and monitoring low-balance alerts for a month or two before applying can change the outcome.
Undisclosed obligations are next. When an application omits an existing advance or loan that then appears as a recurring debit on the statements, underwriters often decline for credibility reasons alone. Listing every obligation, even ones you consider minor, avoids this.
Applying for the wrong product is common. A business with eight months of history applying only to banks, or a business with a 520 score applying for an unsecured bank line, is likely to be declined regardless of revenue. Matching the product to your profile avoids unnecessary rejections and hard inquiries.
Requests out of proportion to deposits lead to declines or sharply reduced counteroffers. Asking for three months of revenue on a first revenue-based round rarely works. Tying the request to a specific use and a realistic fraction of monthly deposits is more effective.
Finally, unresolved tax issues, recent defaults on other business financing and inconsistent business information across documents can each stop an application. MFE considers credit from 500 and reviews the whole file, but these items are easier to address before applying than after a decline.
Another frequent mistake is applying with an account that mixes several businesses. Owners who run two ventures through one account make it hard for underwriters to see which revenue belongs to the applicant. Separate accounts per business keep each application clean.
Here is an approval after a business corrected its earlier mistakes. 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.
| Negative days, returned items | Buffer and alerts for 1-2 months |
| Undisclosed debts | List every obligation |
| Wrong product | Match product to profile |
| Oversized request | Tie amount to deposits and use |
| Tax issues, mismatched info | Payment plan, consistent documents |
Good fit:
Probably not yet:
Common reasons include negative days, undisclosed debts, wrong product and oversized requests.
Long enough to fix the cause, often a month or two of cleaner statements.
Yes, it appears on statements and can cause a credibility decline.
Yes, unless a payment plan is in place and current.
Usually not; choose products that fit your profile.
A realistic fraction of monthly deposits tied to a specific use.
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