MCA field guide
How MCA lenders calculate monthly revenue
What counts as operating revenue, what is usually excluded, and why deposits alone can overstate a merchant’s qualification.
Start with eligible business deposits
Underwriters typically review recent business bank statements and separate operating revenue from transfers, loan proceeds, owner injections, returned items, and other non-operating credits. The gross deposit total is not automatically eligible revenue.
Look for consistency and concentration
Averages can hide a declining month or one unusually large deposit. Underwriters may compare each month, deposit count, customer concentration, seasonality, and whether revenue arrives through predictable channels.
Enter defensible revenue
Use the lender’s requested statement window and document material adjustments. The Lender List matcher compares the monthly revenue entered against sourced minimums; it cannot validate bank statements or determine eligible revenue for a lender.
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.