Primary factors
Revenue, deposit consistency, and time in business form the foundation of most reviews.
- Monthly revenue and trend
- Deposit frequency and average balance
- Time in business and industry
Approval Factors
What actually drives a funding approval.
Approval is rarely about one number. Providers weigh a combination of factors to judge repayment capacity and risk.
Quick answer
Common approval factors include revenue volume and consistency, time in business, deposit patterns, existing obligations, credit profile, industry, and a clear use of funds.
No obligation to accept an offer. MerchantRunway is operated by MerchantRunway.com. MerchantRunway is not a direct lender. We may connect applicants with third-party funding providers. Approval, terms, rates, and funding amounts are not guaranteed.
Secondary factors
Credit profile, existing obligations, and negative days refine the picture and influence terms.
Use of funds
A clear, productive use of capital tied to a business outcome strengthens how the request is evaluated.
Documents usually needed
- Recent business bank statements
- Business identification and owner contact details
- Requested amount, intended use, and timing
- Existing funding obligations, if any
How approval is evaluated
Providers may review revenue consistency, deposits, time in business, industry, existing obligations, owner profile, and whether the requested capital fits cash-flow capacity.
View requirementsRelated funding options
Common questions
No. Approval, terms, funding amounts, and time to funding depend on provider review and applicant qualifications.
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