Cash Flow Loan

Killed Just Before Closing? Video: Business Loan Survival Tips

Our Business Loan was Killed just before Closing!

We keep your loan from being killed just before closing and funding!  No more last minute turndowns for low or negative balances, low month to date deposits, overdrafts, background problems and defaults.  We stop it all for customers and brokers.

Watch: Died just before being closed, above! Apply below now or call 919-771-4177.  Transcript here

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Killed in Final Underwriting ? Call Us

How did your Loan die right before closing?

Killed for low month to date deposits.   Your account did not have have enough revenue since the beginning of last month.

Most applicants provide the most recent (3) months statements and not the current month.

Killed because your current balance was too low.    Your balance must be 2 to 3 times the payment amount.

Negative account balance (Overdrawn).   An overdrawn account is a reason for a last minute decline for most business loans.

Killed at the last minute for personal Background history. Your personal history has either a Felony, Misdemeanor, drug charges, or other convictions.

Died after the Decisionlogic bank verification.  There was some problem with the account.

Previous defaults.   Your business has an old default and it was discovered during the final check before completion.

New recent funding since the beginning of last month.  Your company just borrowed before now trying to close out the current request.

This is in the last 30 days or during the current month.

How do WE save your Commercial Loan?

  • We ask you the RIGHT questions before funding.
  • We prepare you for closing.
  • Instruct you on what to fix.
  • Any other challenges?  We will solve those too! 

How do you win?

  • Get funding instead of a shock at the last minute.

Apply above so you can get fixes and expert guidance to help you get results immediately!

Video Transcript: In minutes and seconds followed by video transcript.
0:00 Introduction
0:05 killed in final underwriting
0:12 problems fixed
0:21 Credit
0:22 How to apply

[ swords clanking ] Did your business ever fight to get
A Business Loan or MCA, And then, right before closing……….

Get Killed in final underwriting? Apply with us instead.

[ race car engines ] We’ll get your Loan past the finish line, and Funded.

[ cash rustling ] From low current month deposits, low bank balances,
[ police siren ] Background problems and more,
[ desert wind ] We’ll get you back up [ water splashes ]
And on to Smooth Sailing and Funding.[ water bubbles ] Low Credit Scores OK.

Find out how much Money you can get TODAY.

Apply at, Or Call: 919-771-4177


In summary, your deal died in final underwriting because no one was looking out for you.

There is much more than credit, start time and recent monthly deposits to getting an approval, and funding.

For tips on planning far ahead for borrowing needs, check out the SBA’s complete business plan kit.

Start now!


Top 9 Reasons Why Your MCA was Declined

The Top 9 Reasons your MCA was Declined!

So your mca was declined.   Ouch!!  Here is what you should do about it and turn a denial into an approval offer,  closing and funding!.

The list includes decline reasons that happen during final MCA underwriting and just before funding.

Apply below to get APPROVED, now!

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top 9 reasons your mca was declined
  List of the Top 9 Reasons   why your MCA was     declined

Top 9 Reasons Your MCA was Declined:

1. Affordability

This MCA decline reason means your company cannot handle the new payment without significant problems.

If you know you can manage the payment, then prove it!  Provide your current bank statement, other accounts you may have, or tax return that shows you have the cash flow.

2. Low or Inconsistent Sales: 

Recent monthly sales have been up and down too much.

Make sure the investor isn’t using the lowest month to make their decision.   Ask them to use the average of your deposit totals for your most recent 3 months.

3. Failed Bank Verification:

Your MCA was declined because the company failed the pre-funding final bank verification requirement, such as DecisionLogic.

This almost always happens when the business has cash flow problems during the current month.

The verification failed for either low deposit volume, overdrafts and NSF’s, or not enough individual deposits.   It is usually some combination of these issues.

Ask specifically what they saw in the current Month that they don’t like.

Decide if this can improve enough to qualify in the next few days.  If not, apply above to get another funding option.

4. Credit Score Too Low: 

Some programs require a minimum credit score of 550, 600, or even 650.

Find out what score is required.  If it is too high, apply for a program that will accept your credit score before you apply.

5. Low Current Month To Date Sales:

Your current month’s cash flow was too low.

Ask the lender what minimum sales amounts are they looking for?

Also ask how much do you need to put into your account in the next week or two to qualify.   By doing so, you may be able to qualify before the current month is over and not have to wait until the next month.

6. Recent Overdrafts or NSF’s:

Overdrafts or NSF’s in your checking account in the last 3 months were excessive, and why your MCA was declined.

Add up exactly how many Overdrafts and NSF’s you had.    Ask the lender what the maximum is and how long before you will qualify.

7. Not Enough Deposits Per Month:

There were not enough individual deposits.    Some funders require 5 or more each month.

Make more frequent smaller credits if possible.

Find a source that will accept the number per month you are now making until you can start making more.   Ask in advance what their mimimum is.

8. Time in Business Too Short:

The time in business is not long enough through the Secretary of State or on your License.

Ask the funder how long they require.  If you are within 30 days of the minimum,  then ask for an exception.

If they refuse, then find a program that will accept how long you have been operating.

9. Background Check Failed:

A background check revealed something they didn’t like.   When you get this MCA decline reason, learn more about a Business Loan with a background problem here.

Ask the MCA company specifically what the problem was, and if that matches what you know to be true.

Shop other MCA companies that have programs that accept your background issue before applying.

Want to learn more about getting a business loan with a background problem?   Read this, or watch this video.

Still Don’t Qualify?   NO problem either.  Apply Below Now for a different unsecured or secured alternative.

Click to Apply Securely Here!

Why choose an MCA option anyway?

    • Unsecured financing has less risk.   You do not need to offer collateral with a loan against your assets.
      • Up to 18 Month Term options for 600 and 1 Year in business and higher.
      • Get money against your cash flow again after payoff.  Use it to get money more than once.
      • Programs for as low as $2,000.
        Lower offers makes this a better option than regular title loans.  No need to risk your vehicle or equipment for a small amount of money.

      Need more general info on developing your business? Visit the SBA for resources
      such as local assistance, business guides and business plans.

      Conclusion: Why your MCA was Declined.

      Your MCA was declined for one of these reasons listed above.

      Take the actions listed and you can still get an approval offer and funding quickly!


Video: Loan On a Trailer

Get a loan on a Trailer, now.   Do you own it outright ?   Then get money against the Trailer, fast. Even more, very low credit scores will work.

Watch: Video above. See trailers in action!  Click or tap arrow to play. Apply below now or call 919-771-4177. Transcript Here.

Loan Against A Trailer

Apply below now or call 919-771-4177.  

Click to Apply Securely Here!

Data Secure 30 Second Application here.

Or Call 919-771-4177 for more info.

loan on my trailer So which Trailers Qualify to get a loan on a trailer?

Enclosed and Open Car
Flat bed
Heavy Duty
Landscape Utility Trailers
Low Boy
Low Profile
Tandem axel deckover and Dual Deck
Used Trailers

Which Manufacturers? American Hauler, ATC, Big Tex, B Wise, Bri-Mar, CAM Superline, Car Mate, Cargo Pro, Carry On, Covered Wagon, Diamond Cargo, Homesteader, Master Tow,  Premiere, Sno Pro, Sport Haven,  US Cargo and more.

Bad credit and low scores down to 500 may still qualify.

So do I qualify? Do you own your Trailer outright and have a free and clear title ?  Then you pre-qualify.

You don’t own it outright?   Ask for our straight cash only program.   Even when you still owe on your trailer! However, do you also have other equipment?

Additionally, get more working capital with a loan against equipment.

flat bed trailer loan   Get Money Against It! [/captio

What is good about this program?

  • This is NOT a Daily Payment.
  • Your paid for Trailer is all you will need.
  • Monthly Payment Program option.   Terms are 12 to 18 months.
  • Get money again, against the same piece, after payoff. 
  • Up to $25,000.    These offers are much higher than standard title loans.  Need a higher amount but don’t have more trailers?  Another option is a bank statement loan for extra funds, or add other Trucks and vehicles you have.

Video Transcript: In minutes and seconds.
0:00 Introduction
0:08 Qualify
0:14 Trailers accepted
0:16 Credit
0:25 How to apply

[tires rolling on gravel road] Where does this Trailer think it’s going? It’s going to get it’s owner Kyle money for his business.

Kyle needed a Business Loan fast and had no assets. But he had a Trailer.

So we got him a Loan on his Gooseneck. Get Funds against any Trailer. Flatbed, Gooseneck, Semi Trailer, Enclosed, Lowboy, Dump, Hydraulic, Car Carrier, and many more!

Find out how much Money you can get TODAY.

Apply at, Or call 919-771-4177


How does this program work?  Provide proof of the asset and ownership.  Get a monthly payment offer and then close.

How much can I get? Get up to 50% of the Forced Liquidation Value of the trailer.


The unit you own is usually all you will need to qualify for a loan on a trailer!

Good credit, revenue and time in business are NOT required to get offers.   So use the title, or revenue the trailer brings in to get the funding you want.



What is Non-Business Revenue?

All revenue is not equal, especially for your business.   Lenders considering small business loans such as bank statement loans often look in detail at where sales came from in your business statements.  They are looking to see if the revenue is from the operation of your business, or not.

What if your business has been denied because the lender did not accept a large part of your business sales?

Then Apply below for programs that count the maximum amount of your sales and deposits instead of deducting them and declining your business!

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Business revenue vs Non Business Revenue
What isn’t business revenue: Types of Non Business Revenue

4 Main types of true Business Revenue that lenders accept.

1. Income from Sales to Customers and Vendors:

Revenue from the normal sales your business has is the most preferred and accepted income any business can have.  Your  business model is succeeding and can repay debt.

2. Income from Affiliate Partners. 

Some businesses have affiliate relationships.   Affiliate partners secure customers on behalf of another business.    This income may come from the affiliate partners rather than those customers directly, but it is still valid receipts.

3. Money from Collections

Many businesses have delinquent accounts they collect on.  Collection receipts are valid business income, even if they are from charged off accounts.

4. Money from the sale of business assets

When a business sells hard assets such as commercial real estate, business equipment or vehicles, it is considered business revenue and should be counted that way by lenders.

This includes soft assets such as proprietary software, intellectual property and patents.  Any of these can have great value and be sold for significant amounts.   When this happens, it is counted towards business sales and included in the annual income of the business.

Windfall from court decisions or judgements

Monies from court decisions or judgements is a grey area when it comes to lenders considering this as revenue for a business. Most will give this credit as true income from the business.   Money from successful court litigation is considered monies that are truly owed to the business.

However, it is still a large one time event that will not be repeated. That makes it considerably different than money from sales which does constantly repeat, such as from a retail store.

What isn’t Business Revenue?

Transfers between business accounts or from other accounts

Transfers between accounts are not revenue for the business.  The lender analyzes them to answer the following questions:

Was the transfer from another business account of the same business?  If so, what has been the recent cash flow of that other account?

Savings Accounts:
Savings account transfers into a business checking account are not business income received by a business.

Personal Accounts:
Transfers from any personal account into a business accounts will not be considered business sales.   Claims that they are must be documented and proven to the lender.

Business Loan Proceeds

Loan Proceeds are NOT considered business income.  Money that comes from lenders cannot be added to the gross receipts of the business.   It did not come from sales, so it is not business income.

Tax Refunds

Tax refunds are not part of  business sales.   Money back from the IRS is usually from taxes paid for previous sales, so the income has already been counted.


Rebates is money a business gets back from an old purchase.  It shows in the deposit section of a business checking account statement.    Money had to be spent in the first place to get the rebate or refund and will not be counted.

FAQ on Business Vs Non Business revenue.

What is non business revenue ?

It is money that is not earned by the business from sales, sale of business assets, collections or the regular operation of the business.

Why is the lender not counting some of my business income?

The lender has decided that some of the money coming into your business is not consistent, or not the type they can count on to repay their loan, so they don’t count it.

How can the lender decline my business by not counting revenue that I earned?

The lender can count, or not count funds they see coming into your business for any reason.   Their credit standards and criteria is not subject to law.  It is based on their internal guidelines.


Some of your income may not be accepted as business income and may even be deducted resulting in a denial of your loan request.

Consider other lending programs when much of your revenues may be disputed as true business income.   Contact us to match your business to programs that are not as strict in this type of review.


Declined For Drop in Month To Date Revenues? 7 Ways to Fix Your MTD

Was your business loan declined for a drop in mtd month to date revenue?   Review 7 ways to improve your numbers now and get approved as soon as possible by Applying below!

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1. Understand your Statement.
2. Why were you declined for your MTD? 
3. Total Deposits.
4. Average Daily Balance. 
5. Number of Deposits.
6. Overdrafts or NSF’s.
7. What can I do?

7 Ways to Fix a drop in deposits and get approved ASAP!

1.  What do lenders do with that Statement? 

The statement is used to review your cash flow as of the beginning of the new banking cycle, or your most recent cycle date.  Follow the link here to get a Month To Date (MTD) Statement in a PDF form.

2. Why were you declined for your Month To Date?

The statement used to decline your business will have lower than average deposits and be weaker overall than prior statements.  Lenders ask for recent statements when applying and do not usually ask for interim information.

They only request it approaching the end of the month, or if the most recent statement was weaker than older ones before it.   After the 20th, lenders may ask for the current cycle business account activity statement because a lot may have changed in those last 3 weeks.

Expect a request for the current statement when the last full statement was lower than average.   Lenders are looking for trends in your business revenue, especially negative ones.    Declines are not the end of the line.     Consider the top decline reasons as well as other loan types such as a loan against equipment.

3. Total Deposits in the current month.

Your current monthly totals from business revenue is the most important information mca lenders review in the current statement cycle.

Prorate your revenues to estimate what the full numbers will be for the entire current 30 day cycle.


Your company had $35,000 in revenues from March 1st through March 12th.    What is the company be expected to do for the full 30 days if they maintain the same revenue pace?

$35,000 X (31/12) =  $90,417.     To breakdown the math in simpler fashion,  31/12 = 2.58333.    Since there are 31 days in March and it is the 12th of the month, the prorated fraction is 30/12.    To express that as a % , 1/2.5833 = .387.  This means that .387% of March has gone by.

Almost the same prorated amount is derived by dividing the $35,000 interim deposits instead of multiplying, as follows:

$35,000 % .387 =$90,439.   The $22 difference is due to rounding.

4. Average Daily Balance.

Why is it important?  When your account’s average daily balance is low, then payments are more likely to bounce.

Average balances below $1,000 and especially below $500 are red flags in credit review and will get your request declined fast.
Work hard to keep a minimum balance of $1,000 and higher because it increases your chances of approval.

Lower average daily balances in the current cycle are very closely looked at in the review process.

5. Number of Deposits.

At least 5 deposits per month are desired for cash advances.  Other types of loans do not have this requirement, but more are better.

More usually means you have a higher number of customers which is considered a lower risk.

6. Overdrafts or NSF’s.

Overdrafts and NSF occurrences hurt the most in the current month.   Many customers say they do not want to keep money in the account.

There is a difference between not keeping excess money in an account and having overdrafts because of it.     Negative balances come from not having enough money and bad money management.

7. What can you do about a drop in month to date sales ?

Try to increase your deposit totals before the end of the cycle.  Deposits made just prior to the end of the statement cycle instead of the first day or two of the next one help current numbers.

Don’t let your balances get too low causing returned payments that show as NSF or overdrafts.

Ask what you need to have for a chance at an offer now and you may be given target numbers.   These will let you know if the numbers are achievable.   If all else fails, consider a micro business loan.

declined for drop in month to date revenue

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Can my business be declined for low current month’s sales? 

Your business can be declined for having a drop in revenue even in the current month that is less than a 30 day cycle.

Is there anything I can do to get approved now?

Following the cash flow strategy outlined here gives your business a chance of getting funding now.  There is still be time to correct the numbers in the same statement cycle.

Are there options that do not look at the most current deposits?

There are asset based options with a monthly payment that usually do not look at the most current deposits.    Those merit a close look for businesses that cannot wait for their cash flow to recover.


Declines for a business loan due to a drop in month to date revenues is a real possibility.   Most lenders do not look closely at current 30 days, but some do.

Understanding what the threats to an approval are and the actions to take.   Help your business steer clear of an unexpected turndown due to dropped revenues in the last 1 – 3 weeks.

Keeping a close eye on total and average balances and overdrafts during the current 30 day cycle can make the difference between an approval and a last minute decline.


What Are Bank Statement Payback Months?

Payback months are the business bank statements for the same months 1 year ago. Lenders use these to help predict your company’s revenues in those months in the current year.

Apply below: for programs that increase approval amounts with strong payback months, but don’t lower offers with weak numbers a year ago.

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4 Steps to understanding and handling this request

1. Understand Payback Months.
2. How to analyze your payback months statements .
3. Evaluate your requested amount.
4. Negotiation.

payback months
What are bank statement payback months?

1. Understand Payback Months:

Lenders evaluating a loan request may ask for payback months statements for the previous year.   This means they want the same months from 1 year ago that you would pay back any new loan this year.   They use to check if you can afford an mca merchant cash advance.

Example #1:

Your business applies for a loan with a business lender.   The lender is considering a 6 month loan for a bank statement loan to your business and asks you for payback months.

A 6 month loan will have a payback from March 2021 through August 2021.   You will give the lender payback months bank statements from March 2020 through August 2020.

They want to see what your business revenues were for the same months last year.    This forecasts what they expect your business to do in revenues during those same months this year.

Seasonal businesses are very susceptible to large swings in revenue during the year and can expect lenders to ask for bank statements from the previous year to compare.

2. How to analyze your payback months statements.

For 6 month loan requests, take the same 6 months from the previous year.   Add up the total revenues and divide by 6.


From March through August of 2020, your company had a total of $120,000 in revenues.   The average monthly revenues are $120,000 % 6 = $20,000 per month.  Lenders offer 50% to 100% of average monthly revenues for most offers.  $20,000 x .5 (50%)= $10,000.  $20,000 x 1 (100%) = $20,000.

Offers should be $10,000 to $20,000, but may be less.

3. Evaluate your requested amount

Match your request closely with your business revenues.  Do not ask for more than you can qualify for because it could cause an unnecessary decline or delay.

Ask for $20,000 if 50% of your company’s average monthly revenues = $20,000.  Don’t ask for $100,000 unless you have assets to leverage for the request.

Do not state any amount and let the lender make an offer as an alternative.   Lenders usually make the maximum offer regardless of your request.

4. Negotiate

Maybe your business qualifies for $20,000, but you need $25,000.  Should you accept the $20,000?  No!  Ask for $25,000.

How? Get 2 or 3 offers from different lenders and leverage those offers with each to extract the maximum.  Take the offer from 1 lender and show it to the other two.

This way, you are greatly increasing your chances of a better offer.  Because 3  lenders have proof of a competing offer, they have more incentive to match and exceed their competitors.

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FAQ:  Bank Statement Payback Months.

<What are statement Payback Months? 

Bank statements for the exact same months last year that lenders are considering a business loan to your company for this year.

Why am I being asked for Payback Months?

Lenders look your sales last year to help them understand if your business could make a new loan payment this year with the same sales.

Can they decline me for low revenue a year ago?

They may.   The lender can decide that your business cannot afford the new payments with similar sales from last year.   Explain why your sales will be higher for the same period this year, if so. 


Understanding and reviewing your bank statement payback months from last year will pay off.  Why?  First of all, you can help avoid a decline by reviewing last year’s statements.  If they are very low, go to another lender.

Also because you will have a better idea how much you qualify for,  should ask for, and how to negotiate.


PPP Loan Was Not Forgiven? 4 Options and Funding Alternatives

You complied  with the rules.  Now you have been told you did not meet the conditions and your PPP loan was not forgiven.

Consider 4 ways below to deal with this along with other funding options if needed. Apply Below Now for Alternative Funding Solutions such as bank statement loans!

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How to Deal a Repayment Demand when your PPP loan was not forgiven:

ppp loan was not forgiven
Was your ppp loan not forgiven?

1. First Look For Mistakes.

The government and large bureaucratic processes often make mistakes.  Look through all of the guidelines and rules.   Try to pinpoint how they came to their decision, and if it was correct.

Read their own official rules in detail since analysts make mistakes.   But don’t just claim a mistake.   Find their mistake, detail it, and also state why it does not apply to your case.

2. Appeal the Decision. 

Appeal the decision regardless of whether you find a mistake or not.   This also applies even when you are not likely to win.     Many times  having another representative review your case results in a different decision.

Find out the details of the appeals process and follow it precisely.   Also followup during the process to make sure all your borrower rights are being met per legal requirements.    Backed up government processors often cannot meet certain time requirements.   Failure on their part may be a basis for a reversal in the decision.

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Basis for Appealing an unforgiven PPP loan 

Minor violation

Lack of proper documentation is the easiest problem to fix.  Provide the proper payroll expenses, rent roll, utility and other statements. Submit any missing information as part of the appeal.

Incorrect Decision

Funds not used as intended is a common denial reason.   As mentioned above, look for errors in their process.   People do not find mistakes when they do not look, so review their response in detail.

Look for mistakes in the rational for why your ppp loan was not forgiven and then attack denials that are weak.

Did not fully understand

This basis for appeal is not a strong reason. However, it may be enough to a reversal of the decision in some cases.

3. Gather All Documentation to Support your Appeal.

Documentation is key, so gather and review all you information.   Take a second look at your PPP expenses such as Payroll, Rent and Utilities.

Appeal Denied

Confirm whether appeals that are denied can also be appealed.  Ask for time to respond to any denial in writing and also request an in person hearing.


Make a formal counter offer in writing for a settlement and also document why your business cannot pay a forgivable debt. Provide cash flow statements such as tax returns, bank statements, Profit and Loss statements and Balance Sheet supporting your argument.

4. Find other Funding Alternatives

Look for alternative funding options to shore up cash flow shortfalls from unforgiven PPP business loans.

A business’ cash flow is impacted because they did not expect to have to repay a forgivable loan.   Many other small business loans can be a good fit.

Asset based loans are also a great choice to assist with cash flow until the business adjusts to the partial repayment of their ppp loan.

FAQ:  Why did they not forgive my ppp loan? 

Why was my PPP loan not forgiven?

PPP loan forgiveness is not granted when you do not meet the usage conditions of the ppp loan stated in the contract.     The most common reasons are incorrect use of funds and time deadlines for usage.

What can I do about it? 

Carefully review the reason for the decline.  Read the rules for ppp funds use and check for mistakes in the decision.   Sometimes decisions are flawed or not clear cut.

How can I get the decision reversed? 

Appeal the decision.   Prepare all the documentation needed and submit a formal appeal.


A decline of forgiveness for your PPP loan may be a shock.  Take action to challenge the decision that may lead to at least a partial reversal.

Since these loans can be for large amounts, it is worth the time to see if you can change the outcome.     Look for mistakes in the process, prepare your paperwork and request an appeal.


What is MCA Percent Of Monthly Revenues?

MCA lenders look at percent of monthly revenue to decide if your business can afford a cash advance, and for how much.

Apply below for programs that offer the highest cash advance percentage of monthly revenue. This means the largest approval amounts because the highest percent of your business revenue is allowed for an mca.

This is about affordability, which is the #1 reason of the Top 9
Reasons why your MCA was declined.

MCA Percent of Monthly Revenue

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mca percent monthly revenue
What is an mca percent of monthly revenue?

Programs above offer the maximum approvals for mca’s as a percentage of your monthly business revenues.

  1. How it Affects Your MCA.
  2. Why it is Critical.
  3. How it is Calculated.
  4. Should You Care?

1. How it affects your MCA:

The percent of monthly revenues that an mca merchant cash advance can be is what drives the amount of the advance offer much more compared to other qualifiers.

It also tells you the maximum amount in advance that a specific lender allows for bank statement loans.    Businesses that have an existing mca with a balance will therefore know how much more that lender can offer them.


An existing advance has a daily payment of $100 per day.   The cash advance company you apply with allows businesses to have a maximum 30% of their monthly gross business revenue in cash advance payments.

Further, your business has monthly revenues of $25,000.   So the total amount the lender allows your business in advance payments  is $25,000 X .25 = $7,500 per month in payments.   $7,500 per month % 21 days = $357 day.
An approval for 9 months should therefore render a maximum $48,000 offer by that lender.

While telling the mca company about advances with a few payments left seems like a risky thing to do, they will probably not include existing advance in their calculations.

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2. How it is calculated.

Example # 1:

Your business has average monthly deposits in the last 3 months of $50,000 per month.    The lender you apply with allows the total monthly amount
you pay on MCA advances to be a maximum of 25% of your monthly revenues.

As a result, they calculate the maximum approval as follows:
$50,000 x .25 = $12,500 per month and there are 21 daily payments or
4 weekly payments per month.   So using daily payments, $12,500 % 21  = $591 / daily payment at 5 business days per week.

Another critical step in the offer amount will be how long that lender will make an offer for.   Longer terms result in higher offers, so a lender that offers a 9 month term can issue an approval of approximately $80,000.

This is because the math calculated to arrive at this approval amount is as follows:
$591 x 21 = $12,411 x 9 = $111,699, so a rate factor of 1.4 means that
$111,600 % 1.4 = $79,785.

3. Should you care? 

You should care because it allows you to do 2  important things:

1. Calculate what percent of your monthly business revenue any mca will be before you apply.    Also calculate whether you can afford the mca based the percent of monthly sales it totals.  You will also better understand what your affordability limits are for this transaction and for all future borrowing.

2.  Ask the lender before applying what the maximum is they allow.   You may exceed the maximum and therefore do not need to apply.    Also, the maximum amount they will approve you for may be too low.    This will save you time,  credit inquiries, and direct you to the best small business loan options.

FAQ on mca percent of monthly revenue for an advance.

What does percent of monthly revenue for an mca mean? 

It means the maximum percent of your monthly business revenue
that can be allowed for a cash advance.    Most lenders cap it between
20% and 30% of your monthly business revenue.

How do I know what my maximum approval will be for?

Take the average of your last 3 months total deposits.  Multiply it times .25.  This is the maximum amount per month many lenders  allow you to pay for a cash advance.

What if I already have an advance ?

Calculate the maximum your business can afford per month.   Deduct the monthly amount you already pay from that figure.   That is the difference you can still afford on a new cash advance with many programs.


Calculating the percent of monthly revenues an mca will be as a percentage of your monthly business cash flow helps you make several important decisions.

You know in advance if you are applying with a lender that can help and approve you for the entire amount needed.   You can ask lenders before you apply what their maximum percentage is and go to another lender if it is not high enough.

Another benefit is it helps you get the highest offers and saves maximum time by applying with the right funders.

For these reasons, know the maximum percentage of your business’s gross monthly revenue  lenders generally will allow in mca cash advances.   Also check back here on how to calculate approval and offer amounts needed to qualify for using the lenders maximum percentages allowed.


4 Top Ways To Get a Better Business Loan Offer

Learn the Top 4 ways to get a better business loan offer.   Use this current program to max out the most favorable terms and conditions.   Apply below now.

Click to Apply Securely Here!

Data Secure 30 Second Application here.

Call 919-771-4177 for more info.

How to leverage a higher quality business loan offer.

    • Give your preferred lender a copy of any competing approval. 
    • Ask for better terms.
    • Leverage your broader relationship with the lender.
    • Find out why the approval was not better. 
Get better business loan offers now!

1. Show the lender a competing offer. 

Give the funding source information on any other approvals you have to negotiate with them.


You are approved for  $25,000 in bank statement funding, but you wanted a higher amount for more months.  Your request was turned down.

However,  you have existing offers from other funders.  Send your preferred lender the actual approvals from another institution if it matches or beats theirs.

Effectiveness:  This is often highly effective because it proves that you have multiple options.   You have more negotiating power when other lenders know they are not your only choice.  Providing documentation increases the pressure on your preferred lender to make concessions.

Rarely Done:  Very few people think of showing one lender competing offers.   The do not know that you have options from other investors.   Stand out above other applicants and show competing offers.

Confidentiality:   Is this confidential information?  It is the same you gave the other lenders, so there isn’t anything confidential you are giving away.  Your current lender already has the information, so it is not confidential.

Click to Apply Securely Here!

Data Secure 30 Second Application here.

Call 919-771-4177 for more info.

2. Ask for better terms.

The key conditions of the business loan offer are:

Amount:  You can ask for approximately a 10% increase since some funding programs have the discretion to increase the approval by a small amount.  Give a relevant reason why your business is asking for the higher amount.

Number of Months: The number of months often has some room for negotiation.   Ask for a 3-6 month bump instead of 12.

Rates:  Better rates are often hard to negotiate.   The funding source will generally give you the rate that matches your risk profile.  Negotiating rates may be easier when it is a brokered transaction and there are points or fees in the deal.

Check to see if there are different programs with the same funding source that would be a better fit.  Doing so may give your business better terms automatically just by switching to another program.

Also ask the representative about features and benefits.  There may be incentives and benefits in the existing approval that are already available just by asking for them.

3. Leverage any broader relationship with lender. 

Applicants often have an existing relationship with the lender they apply with.

Deposit Relationship:  Make sure the funding source considers any deposit accounts into their decision because automated programs skip this review in their processing.

Borrowing History: Any good previous borrowing history should factor into the approval decision.

4. Find out why the offer was not stronger. 

Contact a loan officer and ask them why terms were not more favorable, such a higher loan amount, number of months and rate.  Take a close look at those reasons and decide if you can overcome them right away rather than taking more time to fix them.

Getting your credit score increased will take too long to help you right now.   Getting updated financials showing your business in a stronger financial situation is faster and therefore could be used to get an improved business loan offer quickly.

For more ways to get the most out of your approvals, check out 7 ways to boost your borrowing power.

FAQ: Frequently asked Questions on getting a superior business loan approval:

How can I get a better offer?

You may get better terms if you have multiple offers and show them to the lender you want.  Tell them they need to beat the other offers in order for your business to close with them.

Will the Lender negotiate?

They are most likely to negotiate if they are given an incentive to do so.   Applicants who prove they can close with another funding source and are prepared to do so will often get a negotiated closing.

What if I don’t get better terms from the lender?

Apply with other programs if you are likely to get multiple offers.    After getting 2 other approvals, go back to the lender you want to close with and negotiate to get better terms.

Conclusion: Take advantage of easy ways to get better terms.

Most applicants do not push for better terms from lenders and as a result, sometimes miss easy chances to get a stronger deal.

Taking other approvals and asking your favorite lender to beat them always gives you a strong chance of getting concessions.   Ask for better terms and use any existing and previous relationships when negotiating. You will probably greatly increase your chances of getting an improvement on the original approval!


Business Ownership Percentage For Loans

Business ownership percentage is very important for obtaining small business loans.  If one person has less than 80%, they usually cannot close the loan by themselves.  Many lenders want 100%.

Apply below for programs that allow less than 100% to complete funding.

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Data Secure 30 Second Application here.

Call 919-771-4177 for more info.

100% Business ownership NOT required for financing.

  1. 100%  is not needed.
  2.  Shareholders as low as 25% for some bank statement loan programs.  Most options require at least 51% to 81%.
  3. 1 Owner can sign in many cases.
  4. Remaining shareholders do not need to sign for some programs.
business ownership percentage for loans
Business Funding with less than 100% ownership required.

Top 7 Benefits:

1. Financing programs that fund with less than 100% ownership.

Get approved and also be able to close the loan with less than all the owners applying and signing on the note.

2.  1 owner may be able to close by themselves.

Another benefit is the other owners do not need to sign. Therefore, you don’t have to negotiate with them and convince them to sign on the loan.

3.  1 Shareholder may be able to make decisions.

You can make the decisions on the company loan even though you are only one of the shareholders for some options. Decide how much to borrow, for how long and any other options offered by the lender.

4.  The other partners do not provide a personal guarantee.

The personal assets of the non signing partners are protected. Many are not spouses or family members and their assets are separate when applying.

The personal assets of other shareholders will not be at risk under the loan, which is significant. Others often hold Real Estate and other assets separately.

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Call 919-771-4177 for more info.

Related Business Ownership percentage issues

Decision making.

When there are several owners with similar shareholder percentages, it is difficult to complete many basic transactions such as sales with vendors, contracts and contract changes.

Shareholder percent of assets.

Assets that are in the company name are owned by all of the owners.

There is excellent business financing against vehicles with monthly payments.  Carefully review how shareholders are specifically listed on all assets, including on titles for loans against vehicles.

Selling, negotiating, or transferring joint business assets

Assets in the company name with multiple owners must have the approval of all of them for any changes. Everyone must agree and sign for the sale, transfer and any loan against an asset.

Anyone excluded from the sale invalidates that sale.

Selling  with multiple owners.

All must approve and sign any sales contract when the company is sold.   One party cannot sell it alone.

Ownership control of Checking and savings accounts

Checking, savings and other commercial accounts can be opened without all owners.  Authorized signer information is keep on file by financial institutions.

One signer also cannot remove another signer from the account. Other signers must agree to their own removal. They should check what the banks’ rules are for making changes.  Changes such as closing an account, withdrawing money are difficult later without specific documentation.

Changing stakeholder percentage.

Update the articles of incorporation or organization to increase or decrease these sipercentages. The articles may vary by state.
Many times, corporate articles do not list share percentages.  Most articles list principals such as President, Vice president, CEO and officers.   The lender does not have the breakdown.

A big reason businesses fail is disputes between owners, including who has the authority to make decisions and complete transactions.  Including specific percentages and shares owned eliminates many future disputes.  New corporations should include this information in their paperwork.

Use addendums and corporate change paperwork to add this information.  Another option is to add a notarized corporate change resolution or additional information page.  File these with the Secretary of State.

FAQ: Frequently asked Questions:

Do I need 100% ownership to get a business loan?

100% is not always needed to get a small business financing. Programs are available with percent ownership below 80% and as low as 25 in some cases.%.

Does my business partner have to sign if they don’t want to?

Partners do not have to sign when one has enough ownership.  Ask the lender what is required for closing.

Can I remove my partner from the business to get a loan?
No, and you cannot remove your partner without their approval in general.  Lenders do not want quick changes just to get the funding.  Get approval from the funding source first before attempting this.

Conclusion: Business loans closed with one signer has major advantages

As described, one company shareholder with the authority to close a loan has many advantages. They can make all the decisions on their own. They do not have to discuss and get agreement from others, which is often a major hurdle.  This  includes financing and applying for working capital loans.

Choose financing that funds and closes with one owner. Find out the requirements from the lender and make changes to your company profile for insufficient shareholder percentage, if needed.