MCA field guide
Common MCA decline reasons
The recurring credit, bank-statement, industry, position, and documentation issues that stop files before an offer.
Hard-threshold misses
Revenue below minimum, insufficient time in business, credit below policy, an unsupported state, a restricted industry, or a position beyond the lender’s maximum can create an immediate decline. Route against current criteria before sending the file.
Bank-behavior concerns
Frequent NSFs, repeated negative days, low average balances, declining deposits, undisclosed advances, gambling activity, and unexplained transfers can outweigh headline revenue.
Incomplete or inconsistent packages
Missing statement pages, mismatched ownership, altered documents, stale applications, and amounts that disagree across documents slow review and can end it. A complete checklist reduces preventable friction.
Methodology and corrections
This guide distinguishes calculations, common industry practice, and lender-specific policy. Criteria should be confirmed from the dated source on each lender profile. Report an error through the correction policy.