Underwriting basics2 min read

Time in business and revenue: the two numbers on every MCA lead

Why stated revenue and time in business are a starting point, and how to confirm them before you submit.

An hourglass beside a tall glowing bar and a small stack of coins

Every MCA lead shows monthly revenue and time in business. They are the fastest way to judge fit, and the easiest to misread.

They are stated, not verified

On any inbound lead, these numbers are what the merchant said. Owners round up, guess, or count gross sales that never touch the business account.

How to confirm

  • Bank statements show real deposits
  • A business lookup online shows how long the business has been around
  • A simple question on the call: "When did you open?"

Use them as a filter, not a promise

Set your buy box floors from what your funders accept, then confirm with statements before you set expectations.

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On BrokerSeat

BrokerSeat shows stated revenue and time in business on every lead, and our AI looks the business up online and flags anything that looks off. Read more in what makes a good MCA lead.

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