How long a merchant’s entity has been trading, measured from formation or from first revenue depending on the funder.
A hard floor rather than a scoring input — commonly six months, sometimes twelve. Filters out startups and the recently self-employed, who convert well and fund poorly.
Underwriting
A funder’s assessment of whether a merchant’s receipts can absorb a daily remittance, and on what terms.
Decline
A funder’s refusal to make an offer on a submitted file.
Working capital
The cash a business needs to fund day-to-day operations — payroll, inventory, supplier payments — as distinct from long-term investment.
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