$20,000+ average monthly revenue
Measured on business bank deposits, not invoiced or projected sales. Consistency across the months matters more than one strong month.
Independent MCA broker
Business funding built around your cash flow.
Explore working capital for your U.S. business with an independent broker. We review your request and help you understand potential funding options. No credit pull to apply.
- ✓One preliminary request instead of applying to providers one at a time.
- ✓No credit report is pulled on this form and no upfront broker fee is charged.
- ✓Nothing is shared with a provider until you authorize it on the form.
- ✓Plain-language help comparing factor rates, total repayment and remittance terms.
Typical strong-fit profile
- $20K+monthly revenue
- 1 year+in business
- 500+credit score
- 4 monthsbank statements
- No tax liensand no defaults
- Max 2active business loans
These are the criteria we screen against before submitting a file. Each provider sets its own box on top of these, and approval is never guaranteed.
Independent broker and ISO · Provider approval required · Funding is not guaranteed
See if your business fits
Two short steps. No documents, no credit pull, and no upfront broker fee.
No credit pull
No upfront fee
You control consent
Built for established U.S. businesses seeking working capital. Most strong-fit requests have $20K+ in monthly revenue and at least one year in business.
IMPORTANT DISCLOSURE
Premium Capital Solution is an independent commercial finance broker and ISO, not a bank or direct funder. We may help prepare and refer business funding requests to independent providers. Providers—not Premium Capital Solution—determine eligibility, approvals, amounts, pricing, repayment terms and funding timelines. No result is guaranteed.
Independent brokerWe help merchants prepare and evaluate commercial funding requests.
Preliminary reviewYour request reaches Premium Capital Solution before any provider referral.
Provider decisionsIndependent providers control underwriting, offers and funding.
Clear communicationReview costs, remittance terms and agreements before accepting an offer.
Our basic qualifiers
What a business needs before we submit a file.
These are the six things we check before a request goes anywhere. They are our screening criteria, not a provider's approval standard — each provider adds its own box on top. Knowing them up front means you can tell in about a minute whether this is worth your time.
1+ year in business
Counted from the entity's formation or the start of trading under the current ownership, whichever a provider can verify.
No tax liens or defaults
An open federal or state tax lien, or a default on a prior advance or business loan, stops most files at underwriting. Disclose an active payment plan — it is treated differently from an unaddressed lien.
No more than 2 active business loans
Counting advances, term loans and lines currently being repaid. A third position stacks remittances against the same deposits and is declined by most providers.
4 months of business bank statements
The four most recent full months for the operating account. Requested only after we speak with you — never uploaded through this website.
Credit score of 500 or above
The owner's personal score is one signal among several. Most receivables purchasers weight deposit history more heavily, but 500 is the practical floor.
An active U.S. business bank account is assumed throughout — remittances are drawn from the operating account, so a personal account cannot be used.
Meeting all six is what lets us submit a file with confidence. It is not an approval: every provider underwrites independently and can decline for reasons outside this list, including industry restrictions and deposit patterns. Falling short on one point does not always end the conversation — call and we will tell you honestly whether it is worth pursuing.
How our broker process works
A clear path from business need to provider review.
Submit your business profile
Tell us about your business, revenue and funding goal. No documents and no credit pull at this stage.
Complete a preliminary review
Premium Capital Solution reviews the request first and contacts you to clarify the business need and the amount that fits it.
Explore a potential provider fit
With your authorization, we may refer your information to an independent provider for its own underwriting and decision.
You decide whether to accept anything a provider offers. Nothing on this site is an offer of credit, and no step guarantees funding.
Frequently asked questions
Clear answers about our broker service.
What are your basic qualifiers?
We screen every request against six criteria before submitting it: at least $20,000 in average monthly business revenue, at least one year in business, no tax liens or defaults, no more than two active business loans or advances, four months of business bank statements available, and an owner credit score of 500 or above. An active U.S. business bank account is assumed throughout. Meeting all six is not an approval — providers underwrite independently and set additional criteria of their own.
What if my business does not meet one of the qualifiers?
You can still submit the form and we will tell you honestly where you stand. Some shortfalls are workable — a business at eleven months, or one waiting on a lien release — and some are not. What we will not do is pass a file to a provider knowing it does not fit, because that wastes your time and burns the relationship on our side.
Is Premium Capital Solution a direct funder?
No. Premium Capital Solution is an independent commercial finance broker and ISO. We review merchant requests and may refer them to independent funding providers, but we do not supply the capital or make approval decisions.
What happens after I submit?
Your preliminary request reaches Premium Capital Solution first. We may contact you to clarify the request. With the authorization provided on the form, a potentially suitable request may then be shared with one or more independent providers for evaluation.
Will this form affect my credit?
Premium Capital Solution does not request or access a credit report through this form. A provider may later request permission for a soft or hard credit inquiry; review that authorization before agreeing.
How do you handle my information?
Information submitted through the form is used to review your request and, with your authorization, may be shared with independent providers for evaluation. See the Privacy Policy for details and the Terms of Use for the terms governing this site.
Ready when you are
Tell us what your business needs.
One preliminary request, reviewed by Premium Capital Solution first. No credit pull, no upfront broker fee and no information shared until you authorize it.