What documents do you need for a merchant cash advance?

Business bank statements, three to six months, as PDFs downloaded from your bank. Screenshots and photographs get rejected.

Basic business details: legal name, EIN, address, industry, date established.

Proof of ownership — usually a driver's licence and sometimes a voided cheque.

For larger amounts, occasionally a profit and loss statement or a merchant processing statement if the advance is against card revenue.

Average daily balance, and how often it goes negative. Frequent overdrafts matter more than a low balance.

Deposit consistency — whether money arrives on a pattern they can extrapolate.

Existing advances. Payments to other funders are visible, and undisclosed ones are the most common reason a file that looked fine gets declined.

Whether deposits match the revenue you claimed. A mismatch is not fatal but it slows everything down.

Download six months at once, as separate PDFs, before you start the application.

Use the business account the revenue actually flows through. Statements from a personal account or a secondary account will be sent back.

Disclose existing advances up front. They will be found in the statements regardless, and volunteering them is treated very differently from being caught.