Underwriting Guidelines
Last updated: May 1, 2026. These guidelines summarize typical criteria used in our business cash advance pre-qualification and partner matching process. Final approvals, offers, and documentation requirements are determined by individual funding partners and may differ from this summary.
Eligibility overview
- U.S.-based operating business with a valid Employer Identification Number (EIN).
- Business banking activity sufficient to support repayment analysis (typically demonstrated via linked accounts or recent bank statements).
- Authorized owner or officer completing the application on behalf of the business.
Business performance
Underwriting evaluates recurring revenue and cash-flow stability using deposits, average balances, negative days, overdrafts, and related signals from bank data. Strong, consistent inflows relative to requested advance size generally improve outcomes.
Credit and verification
- A soft credit inquiry may be used for identity verification and risk assessment where permitted. This does not impact personal credit scores in the same way as a hard inquiry.
- There is no universal minimum bureau score requirement; decisions emphasize business bank performance and overall risk profile.
- Additional verification may be requested to confirm ownership and business legitimacy.
Requested advance amount
Advance requests are evaluated against demonstrated deposit volume and underwriting metrics. Requests outside supported ranges or inconsistent with cash flow may be declined or referred for alternative structures.
Documentation
You may be asked to provide:
- Government-issued photo ID (e.g., driver's license).
- Voided business check for deposit verification.
- Proof of EIN (e.g., IRS SS-4 confirmation letter or comparable verification).
- Recent business bank statements (often the last three months, or equivalent coverage via secure bank connection).
Industries and risk factors
Certain industries and business models may receive additional scrutiny or may not be eligible for programs available through our network. Examples can include businesses with elevated regulatory risk, inconsistent revenue, or elevated chargeback exposure. Eligibility is assessed case by case.
Transparency and timing
Offers should clearly disclose rates, fees, repayment structure, and obligations before you accept funding. Many merchants receive decisions quickly; funding timing depends on verification completeness and partner processes.
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