6 gates. 1 buyer.Or you don't pay.

What are the 6 gates a merchant clears before the record is released?

6 gates, published in full, with the reason each one exists. They are not a preference and they are not tuned per buyer. A record that misses 1 of them is not a record you are invoiced for, which is what makes printing them worth anything: a minimum nobody can check is a marketing sentence, and a minimum with a credit behind it is a term.

Misses any of these? You don't pay. The merchant hits submit and the record is in your CRM about 50 milliseconds later. Not a nightly CSV, not a portal to log into, not aged data resold. The mechanism behind it is on how it works and the price is on pricing. The rest of this page is the argument for each minimum, because a number with no reasoning behind it is a number a buyer is right to distrust.

Why 12 months in business, and why is the capital figure not a gate?

12 months in business is the minimum because under a year there is no history to underwrite. Seasonality has not run once, the deposit pattern has no baseline to compare against, and a strong 4 months tells a funder almost nothing about the 4 that follow. 12 months is the point where the bank statements start answering questions instead of raising them.

The capital figure is collected and delivered but it is not a gate, and that is deliberate. What a merchant asks for and what his deposits support are different numbers, and the second one decides the advance. Filtering on the first would remove merchants who asked low and qualify high, and keep merchants who asked high and do not. It is useful for routing a record to the right buyer and it is not evidence of anything, so it is published as what it is.

Why $20,000 in monthly sales, and why the bank statements?

$20,000 in average monthly sales is the minimum because the advance is repaid out of what the business takes in. Below it there is not enough monthly volume to carry a remittance and payroll at the same time, and the file stops being fundable on cash flow long before it stops looking fundable on paper.

Then the statements, and this is the gate doing the real work. Sales are a claim. Statements are the evidence, and the merchant confirms he can produce the last 4 months before the record is released. A business reporting $150,000 a month on card volume and one reporting $150,000 a month on 60 day terms are different files, and only the statements say which is on the phone.

What we do not claim is to hold them. The funnel confirms the owner can produce the statements; it does not collect them. A seller who implies a document it never received is describing a submission it does not have, so this is published as an accessibility check rather than as an upload.

Why a 500 credit minimum rather than 580?

500 is the minimum because in merchant cash advance a credit score decides whether a file is workable at all, not what it should cost. The advance is underwritten against deposits and time in business. Setting the gate at 580 would exclude a large band of merchants that a great many funders in this market write every week, and selling a record to a funder who would have written it is the same waste as selling one to a funder who would not.

The number also had to be expressible. The funnel offered a single band reading below 580, which held both a merchant at 545 who funds and one at 430 who does not, so no rule could be written against it. That band was split into 500 to 579 and below 500, so the minimum published here is the one the funnel applies. A merchant who answers not sure is released with the band marked unknown rather than guessed.

Why does a prior default end it, and how is the phone checked?

A prior default on a business loan or advance ends it, because it is the clearest predictor of the next one. A file that defaulted once usually ends before the offer stage no matter how good the rest of the record looks, and a lead that ends there costs the buyer the full dial and returns nothing.

It is self-reported, and it is published as self-reported. Every applicant who wants money answers no, and the honest description of this gate is that it removes the ones who tell the truth and is checked against the statements downstream. A seller who presents it as a verified check is presenting an answer as a fact.

The phone is the last gate and the narrowest. The number is validated as a real, reachable mobile before the record is released: a format and carrier check, not a human answering. It removes the mistyped and the disconnected. It does not prove the owner picks up, and saying otherwise would be the easiest claim on this page to make and the hardest to keep.

What does a lead not tell you?

A lead tells you what the merchant answered and which minimum each answer cleared. It does not tell you that he will pick up on your second call, that he will send statements, that he will accept your offer, or that the deal will fund. We sell the lead, not the funded deal.

Contact rate, close rate and funded volume depend on your criteria, your states, your speed to contact and your sales process, none of which we control. Our written commitments are limited to: exclusivity, the published qualification gates, the consent record, live delivery, and the replacement terms. Everything past that line is your own sales operation, and no lead seller who tells you otherwise is describing something they can control.

No contact-rate or close-rate figure is published anywhere on this site. We have not measured them across real delivery volume, so there is nothing to publish. Limited time: start with the free 10 and measure them in your own CRM.