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ISO Bonuses & Underwriting Guidelines
UNDERWRITING GUIDELINES
Business Requirements
1. $20,000 + in Monthly Revenue
2. FICO Score 500+
3. Minimum 8 Months in Business
4. Max 3 Negative Days per Month
5. Minimum 5 Deposits per Month
6. Minimum 51% Ownership
Automatic Decline
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Less than 3 Monthly Deposits
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Deposits Volume under $20k
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Credit Score below 480
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Over-leveraged (30% withhold)
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Open Bankruptcies
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Tax lien judgment above $200k
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Negative history with another MCA Funder
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Fraudulent Documents
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Prohibited Industries
Preferred Industries
Accounting
Autoshops
Business Consultants
Construction
Electronics
Energy
Fitness Centers
General Contractors
Grocery Stores
Healthcare Services
HVAC
Learning Centers
Liquor Stores
Machinery
Manufacturing
Mechanics
Media/Entertainment
Medical Companies
Online Businesses
Professional Services
Plumbing
Rehab Centers
Restaurant / Cafes
Retail Stores
Technology Companies
Warehouse Businesses
Utility Companies
Prohibited Industries
Law Firms
Lending Platforms
Medical Marijuana
Vehicle/Auto Dealerships
Religious Organizations
Real Estate
Trucking
Gas Stations
Vape Shops
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