Guides
MCA underwriting guides
How to read a merchant's bank statements before you fund: the underwriting checklist, true revenue, stacking, altered statements and debt-to-revenue.
- The MCA underwriting checklist for bank statementsEvery check in order, from a complete file to a priced offer.
- How to spot MCA stacking on bank statementsFinding every position, reading its cadence and working out the monthly burden.
- How to calculate true revenue from bank statementsEvery exclusion, with a worked month from gross deposits to true revenue.
- How to tell if a bank statement has been alteredThe file checks and balance checks that show an edited PDF.
- How to size an MCA offer with debt-to-revenue and holdbackA worked example from existing positions to the room left for a new advance.
Start with 10 free statements
No card required. Unlimited users on every plan.