It is not only what passes through your account but what stays. Established businesses doing $60K+ a month can see how their balance reads in minutes.
Run my numbersQualifying
Your average daily balance shows cushion. Apply through our partner, Merchant Fund Express, and get a fast, plain read on your file.
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.
About 3 months of business bank statements and a 5-minute app. No tax returns.
FICO 500+ considered with a soft pull to start. Deposits and balance carry weight together.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
Funding in as little as 24 hours for qualified businesses, with repayment laid out in the offer.
We will not hand you a minimum balance, because funders do not read balances in isolation. What they look at is whether your account carries enough room to handle a payment on a normal day. Your average daily balance answers that better than almost anything else on your statements.
Two businesses can each deposit $100,000 a month. One keeps a cushion all month. The other spends every dollar the day it lands and dips near zero before each deposit. Same revenue, very different read. Deposits show earning power. Balances show breathing room. Funders want both.
| Pattern | How it tends to read |
|---|---|
| Steady cushion all month | Room to carry a payment |
| High after deposits, near zero before them | Tight timing, more questions |
| Balance falling month over month | Cash draining, needs explaining |
| One big dip with a clear cause | Usually explainable |
For illustration only. These are common reading patterns, not cutoffs.
Low balances often show up with NSFs. See do NSFs disqualify business funding.
We serve established businesses doing $60K or more a month whose credit is not perfect. FICO 500+ is considered, no tax returns required, soft credit pull to start, and sole proprietors can apply. Funding is provided through our partner Merchant Fund Express, from $25,000 to $5,000,000. Apply in 5 minutes. Funding can arrive in as little as 24 hours for qualified businesses. See also how much can I borrow.
There is no single number. It is read against your deposits and the size of any payment. More cushion generally reads better.
Average daily balance tells them more than an ending balance, because it shows the whole month, not one day.
Do not stage a balance for the application. Funders see the full statement history and a sudden transfer just raises questions.
It can. The amount depends mainly on deposits and existing obligations, and balances help show what the account can carry.
About three months of business bank statements is the standard ask. If a recent bank switch cut your history short, include the old account too.
Example uses for illustration only.
To show a healthier balance on your statements:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding