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$100K+ annual revenue.
US-based entity.
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No business bankruptcies.
Positive monthly cashflow.
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Personal guarantee required.
Senior lien position preferred.
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2 year business tax returns.
Complete debt schedule.
Requirements to Qualify
Here's what you'll need:
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- Currently in MCA, factoring, or revenue-based financing debt
- 2+ years in business
- $100K+ annual revenue
- U.S.-based, for-profit entity
- Good standing on taxes
- Light global DSCR ≥1.15x
- Pass our proprietary credit model scoring
- Owner credit: VantageScore ≥640 (all owners ≥20%)
- 20% owner equity minimum
- Blanket UCC filing on business assets
- Personal guarantees from owners ≥20%
- Last 2 years business and personal tax returns
- 12 months business bank statements
- Debt schedule
- Personal financial statements
They have to. MCAs cannot legally prevent early payoff. We handle the payoff directly.
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Yes. We pay them all off and you get one monthly payment to us.
As little as 7 days from application to funding. Current average: 1-3 weeks.
That's a covenant violation and default event. You'll lose eligibility for future refinancing to better rates.
es. Prepayment penalty first 6 months only, then no penalty.
Blanket UCC lien on business assets. Additional collateral may be required. Personal guarantees from all owners ≥20%.
What business owners are saying
Real feedback from real founders
They turned complex financial challenges into smooth solutions — and made the process enjoyable.
The team at ChatBiz Finance are knowledgeable and seasoned professionals, further strengthened by an entrepreneurial spirit. I highly recommend them.
ChatBiz made it easy from day one. They advised me on my bookkeeping and helped me get approved when I really needed clarity and support. They’re true experts who got me the best structure for my financial goals.
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