Written by working underwriters

Straight answers about business funding

No sales pitch, no fluff. Just what lenders actually look for, explained by people who review these files every day.

Funding requirements

Do I qualify for business funding?

Most business owners find out they don't qualify after they've already applied. Here's what lenders actually look at, explained by someone who reviews these files every day.

8 minute read·Updated June 2026Read article

Bank statement review

What do MCA lenders actually look for in your bank statements?

The four numbers underwriters pull first, what a clean file looks like, and the mistakes that tank an otherwise strong application.

7 minute read·Updated July 2026Read article

Factor rate vs. interest rate: what's the real cost of an MCA?

Factor rates and APR aren't measuring the same thing. Here's the math underwriters use to translate a factor rate into a real, comparable cost of capital.

7 minute read·Updated August 2026Read article

Credit score requirements

What credit score do you need for a business loan?

There's no single credit score that qualifies you for business funding. See the real minimums by loan type, why lenders check two different scores, and where you actually stand.

8 minute read·Updated August 2026Read article