MCA funders weight credit criteria differently. Approved businesses we work with typically meet the following criteria:nnCredit score: 550+.nTime in business: 4 months.nAnnual revenue: $120k.nnAs the name suggests, merchants are the target audience for MCAs. More specifically, businesses that process a high volume of credit card and debit card sales are usually good fits for MCA products.nnThey are also intended for businesses that struggle to get traditional financing. Companies often use MCAs to cover emergencies and unexpected costs or take advantage of a time-sensitive opportunity.nnSmall businesses affected by seasonality can also benefit from MCAs. You could use the funds to cover costs during the off-season, such as stocking up on inventory. With the correct timing, you could use higher sales during the peak season to repay the advance quickly.