Most lenders in the ClearValue Lending partner network approve a $50,000 MCA at 500+ owner FICO with 6+ months in business and $15,000+ in monthly business deposits. Sub-500 scores are possible but typically require 12+ months of operating history and stronger deposit consistency.
Revenue-based financing — historically known as a merchant cash advance (MCA) — is underwritten on revenue, not credit. The single most important factor is consistent business deposits: most lenders look at the average daily balance and the number of deposit days across the most recent three months of business bank statements.
For a $50,000 advance specifically, the typical floor across our lender partner network is:
Pricing varies sharply with file strength. A 500-FICO file at $15k/month deposits typically prices at a 1.40–1.55 factor over 6–9 months. The same business with 600+ FICO and $30k/month deposits often prices at 1.22–1.32. The best lever for cheaper pricing isn't credit — it's deposit consistency.
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A landscaping business with $20,000/month average deposits and a 540 owner FICO requests a $50,000 advance. Likely pricing: 1.45 factor over 9 months → $72,500 total payback, roughly $322/business-day ACH. Twelve months later, same business has lifted deposits to $32,000/month and FICO to 640 — the same $50,000 request now prices at roughly 1.28 over 12 months → $64,000 total payback, ~$254/business-day. The credit lift mattered, but the deposit lift moved more dollars.
Pricing alone isn't the deal. A 1.22 factor over 6 months has a higher effective APR than a 1.32 factor over 12 months. Always compare daily debit against your gross-margin headroom — not just the factor on the term sheet.