Most submissions require 3–6 months of business bank statements, a signed application, valid ID for 50%+ owners, and a voided check.
Underwriters review recent bank statements to evaluate deposit consistency, average daily balance, negative days, and overall cash flow stability.
Yes. Valid ID is required for owners with 50%+ ownership.
Underwriters may request proof of business registration, lease verification, or existing advance statements if they need to confirm time in business or stacked positions.
Missing bank statement pages, unreadable PDFs, unsigned applications, and mismatched information between documents and the submission form often slow down underwriting.
No. Submit only the required Merchant Cash Advance documents. Extra files do not accelerate underwriting and can delay review.
