One of the biggest misconceptions about funding is that bad credit means no options. But that’s not true with a Merchant Cash Advance (MCA).
Why MCAs Don’t Focus on Credit Scores
Unlike a bank loan, an MCA is based on your business’s revenue — not your FICO score. Lenders look at:
- Monthly sales volume
- How long you’ve been in business
- Your recent bank statements
If your business brings in at least $20K/month and has been operating for a few months, you may qualify.
What Documents Do You Need?
- 3–6 months of business bank statements
- Proof of business ownership
- A voided business check
How to Improve Approval Odds
- Keep your account healthy: Avoid overdrafts.
- Show steady revenue: Daily or weekly sales are key.
- Be responsive: Upload documents quickly for faster approvals.
Why MCAs Are Easier Than Loans
Banks want high credit scores, collateral, and personal guarantees. MCA providers focus on your business’s health today, not your past credit issues.
Get Funded Fast
At DNVR Group, we offer MCA funding with no hard credit pull — and many businesses get approved the same day.
Apply now and see how much your business can qualify for.