Jon Lynch Financial

Bank Statement Quick-Grader

Will your bank statements qualify for an MCA? Paste 3 months of summary numbers — get a letter grade, a funder-tier recommendation, and specific weaknesses to fix. 30 seconds.

🔒 100% client-side — no upload, no PII stored, no API call. The math runs in your browser. Refresh the page and nothing remains.

Last 3 months of bank activity

Pull the summary box from your bank statement — these are the only numbers we need.

Grade
—
Avg score
— /90

Per-month scores

Funder recommendation

Enter your numbers above to see a recommendation.

Weakness callouts

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What graders are actually looking for

MCA underwriting isn't credit-driven — it's bank-statement-driven. Funders look at the same 5 things across every deal:

  1. Monthly deposits. $15K+ unlocks meaningful advance sizes. Below $8K, you're capped.
  2. Average daily balance. $3K+ is the comfort zone. Below $500 means deposits are leaving as fast as they come in.
  3. NSF (overdraft) days. 0 is ideal. 1-2 is a tier-A concern. 3+ pushes you to tier B at best.
  4. Negative-balance days. 0 is ideal. 6+ means cash management is broken.
  5. Deposit count. 8+ per month signals revenue diversity. 1-2 large deposits means concentration risk.

The path to a better grade isn't a one-time fix — it's 3 months of clean activity. If your current statements are C/D, the best next step is usually: lock down NSFs, stop the over-drafting, then re-apply in 60-90 days from a stronger position. You'll get a meaningfully better factor rate for your patience.

What this tool doesn't see: deposit concentration (one customer = 80% of book), MCA-related debits, gambling/risky-industry tags, and other trend signals real underwriters weigh. Use this as a 30-second triage — it's not a substitute for a full underwriting read.

Which path fits you?

This tool helps three audiences. Pick the one that's you.

I'm a small business owner

Grade your statements first, then submit to the right funder tier.

Get capital →

I refer deals to Lending by JLFG

Grade merchant statements before submission. Catch deal-killers early.

Join the network →

I'm an institutional funder

Deals arrive pre-graded against typical funder boxes. No surprises at underwriting.

Partnership inquiry →

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