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Merchant Cash Advance Requirements - The image depicts a small business merchant in an apron, focused on reviewing paperwork in a clean, well-stocked retail store illuminated by natural light. A transparent overlay titled “Merchant Cash Advance Requirements” is prominently displayed, highlighting the merchant's commitment to evolving their business and exploring alternative funding options to remain competitive in the modern economy.

Merchant Cash Advance Requirements: What Lenders Look for in Bank Statements + Approval Checklist

Quick MCA Requirements for 600 Credit Score (One-Screen Summary) Bank denial is common. Banks underwrite based on fixed-payment affordability and often require higher credit scores, collateral, and tax returns. MCAs are primarily revenue-based. If your credit score is around 600 and your deposits are steady, your bank statements—not your FICO—usually determine whether you’re approved for an MCA and what it

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    Costco vs Sam's Club vs BJ's Business Credit Cards - In the image, three panels depict a small business owner engaging with a wholesale club store; the first shows them shopping, the second at the checkout paying with a credit card, and the third exiting with a cart full of supplies. A transparent overlay in the center features the title “Costco vs Sam’s Club vs BJ’s Business Credit Cards,” highlighting the importance of business credit options for small businesses.

    Costco vs Sam’s Club vs BJ’s Business Credit Cards: A Comparison Guide

    Each wholesale club’s card excels for a different type of business. Costco’s program is best suited for companies with heavy travel and dining budgets, Sam’s Club is ideal for fuel-intensive operations, and BJ’s is the most rewarding for frequent in-store buyers with smaller-ticket purchases.

    Choosing the right card isn’t just about which wholesale club is closest to your business—it’s about

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      How much Working Capital would you like for your business?

      At UCS, we understand the value of your time and want to ensure that your application has a great chance of approval. Please take note of the following details before applying:
      • To be eligible, it’s necessary to have a business bank account with a well-established U.S. bank such as Chase, Wells Fargo, Bank of America, Citibank, or other major banks. Unfortunately, online-based bank accounts like PayPal, Chime, CashApp, etc., are not permitted.
      • When describing your current average monthly sales deposits to your business bank account, please provide accurate information. Our approval process is based on your current business performance, and it’s essential to provide accurate details about your current sales in the first question on the application form. We cannot approve applications based on projected revenues after receiving funding.
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