Guides
MCA underwriting, explained
Field-tested walkthroughs of the read behind every deal — the metrics, the red flags and the decisions brokers and funders make from a business bank statement.
GuideHow MCA underwriting worksThe end-to-end process funders and brokers use to size a merchant cash advance — the metrics, the red flags, and the paper-grade decision.Read the guideGuideHow to read a bank statement for MCAA line-by-line walkthrough of what an MCA underwriter looks for on a business bank statement — deposits, balances, NSFs and existing debits.Read the guideGuideHow to detect MCA stacking & positionsSpot existing MCA positions and stacking from the daily-debit pattern on a bank statement before you fund a deal you can’t hold.Read the guideReferenceHow MCA funders appear on bank statementsA directory of how major MCA funders show up on business bank statements — the ACH descriptors and remittance patterns that reveal existing positions.Read the guideGuideBank statement red flags MCA underwriters look forThe bank-statement patterns that move an MCA file toward decline — stacked positions, rising NSFs, inflated deposits, drained balances and delayed payroll.Read the guideGuideHow many months of bank statements for an MCA?Why an MCA runs on 3–6 months of business bank statements, what each month reveals, and when funders ask for more.Read the guide
Underwrite your next deal in 60 seconds
Drop a merchant’s bank statements and get true revenue, average daily balance, NSFs, negative days and existing MCA positions — each figure reconciled against the bank’s own printed balances. Your first business is free.