Merchant cash advance requirements at Westline are deliberately minimal. Three documents — application form, three months of business bank statements, voided check or bank linkage — and three minimums: 6 months in business, $15,000/month in revenue, and a U.S. business bank account. That's the entire qualification stack.
No tax returns. No credit pull. No collateral. No FICO floor. No business plan. No projections. No personal financial statement. The minimal documentation reflects the underlying product — a purchase of future receivables based on cash flow, not a loan based on credit and collateral.
The Three Documents
1. Application form
A 60-second form: business legal name, owner name, business phone, owner email, monthly revenue range, time in business, industry, and the requested funding amount. No Social Security number at this stage. No tax ID at this stage. No deep-dive personal information.
2. Three months of business bank statements
PDFs of the most recent three months of statements from your primary business operating account. We accept any major bank, credit union, or business neobank. Marketplace dashboards (Amazon Seller Central, Shopify Payments, PayPal Business) are accepted alongside bank statements for e-commerce and digital-first businesses.
3. Voided check or bank linkage
A voided check from your business operating account, OR a Plaid-style bank-linkage authorization. This is what we use to wire the funded amount and to set up the daily ACH for repayment.
The Three Minimums
1. Six months in business
The business must be at least 6 months old as of the application date. Documentation: state business registration date or first business bank account opening date. Some MCA funders require 1+ year; Westline accepts 6 months because we underwrite cash flow and 90 days of consistent deposits is enough signal.
2. $15,000+ monthly revenue
Average monthly business deposits over the trailing 3 months must total $15,000 or more. Marketplace deposits count (Amazon, Shopify, PayPal). Patient and insurance reimbursements count for medical practices. Personal-account commingled deposits do NOT count — we only credit revenue that flows through a clearly-identified business bank account.
3. U.S. business bank account
A bank account in the legal business name, at a U.S.-domiciled bank or credit union. Personal accounts don't qualify even if all business revenue flows through them; the wire and daily ACH need to land in a true business account.
What's NOT Required
- Tax returns — not for standard advances under $250,000.
- Personal credit pull — Westline does not pull credit at any stage.
- Collateral — no real estate lien, no equipment lien, no UCC blanket on inventory or A/R.
- Personal financial statement — not requested.
- Business plan or projections — not requested.
- FICO score minimum — none. Sub-500 FICOs are funded with strong cash flow.
When Additional Documentation May Be Requested
For advances above $250,000 OR amounts exceeding 1.5x average monthly revenue, we may request:
- Most recent business tax return (Schedule C, K-1, or corporate return)
- Accounts receivable aging report (B2B businesses)
- Existing-debt schedule (if there are open MCAs or term loans)
- Articles of incorporation or LLC formation documents
These are disclosed before the offer is presented. No surprises after signing.
Apply
Apply with Westline — 60-second form, 24-48 hour funding. 855-439-0082.
Related: How it works · Funding timeline · Credit score requirements
Sources & References
- Bank denial and small business credit access figures cited in this piece are derived from the Federal Reserve Small Business Credit Survey. Approval rates for small business credit applications at large banks have ranged from approximately 13%-31% across recent survey years, depending on bank category and reporting period.
- Small business finance landscape and lending program data: SBA Office of Advocacy.
- Merchant cash advance industry standards and disclosure practices: Small Business Finance Association (SBFA).
- Commercial financing disclosure regulations referenced (NY FAIR Act, CA SB 1235/666/362, VA, UT) are summarized from the published statutes; consult counsel for specific compliance application.