We Lend It

Your step-by-step guide to a fast and simple application.

How do I apply for an MCA with We Lend It?

What to have on hand before you start your application

What information do I need to apply?

Documents that help us understand your business’s cash flow.

What documents will I need to provide?

Fast funding decisions to keep your business moving.

How long does it take to get approved?

Flexible funding options even with less-than-perfect credit.

Can I apply for an MCA if I have bad credit?

Learn how your credit score may be affected by applying for an MCA and what to expect.

Will applying for an MCA impact my credit score?

Learn about the funding agreement and what you’re committing to.

Do I need to sign a contract?

Learn whether applying for funding with We Lend It impacts your credit score.

Do you do a hard credit pull during the application?

Learn why we ask for your business’s entity type and how it helps us serve you better.

Why do you ask for my entity type?

We explain why lenders need your business address and how it helps verify your application.

Why do we ask for your business address in the application?

Understand why we ask about your business’s location—how it helps lenders support you and your funding needs.

Why do we ask if you rent or own your business location?

Find out if you need to submit documents to verify your business location during the funding process.

Will I need to provide proof of my lease or ownership?

We take your privacy seriously—here’s how your location information is handled.

Is my information shared or sold?

Learn why having a dedicated business bank account matters for your funding application.

Why do we ask if your business has a separate business bank account?

We ask about your credit card payment history to help lenders assess your business’s reliability and connect you with the right funding.

Why do we ask if your business has accepted credit cards for at least 3 months?

No problem—there are still funding options available, even if your business doesn’t accept credit card payments.

What if my business doesn’t process credit cards?

Here’s how to determine if your business meets the 3-month credit card processing history requirement.

How do I know if I meet the 3-month Credit Card requirement?

For this requirement, lenders care more about your ability to process payments consistently, not the exact number of transactions.

Does it matter how many transactions I’ve had?

You may be asked to show statements or documents to verify your card processing history.

Will I need to provide proof of Credit Card Processing history?

We ask about your funding use to match you with lenders whose programs align with your goals.

Why do we ask about how you’ll use the funds?

WeLendIt Support

Here’s everything you need to know about applying for a Merchant Cash Advance with We Lend It. From gathering information to understanding timelines and eligibility, we cover it all—so you feel confident and prepared.

Applying for Funding

Find answers and get help from Intercom Support and Community Experts

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