Merchant cash advance no credit check - what they actually look at instead

saw a lot of ads for MCAs with 'no credit check' and assumed that meant my 540 credit score wouldn't matter at all.

that's not quite right.

what they actually do is look at your bank statements and daily revenue. they want to see consistent deposits over 3-6 months. my credit score didn't kill the deal but my inconsistent revenue did. two months of strong sales and one really bad month made them nervous.

so if you're chasing 'no credit check' MCAs thinking your score is the only problem, check your bank statement first. that's the real underwriting criteria.