What you typically need
- A few months of card payment history — enough of a takings pattern to lend against
- Consistent monthly card turnover — steady beats spiky, because repayments come from daily sales
- Card payments through Dojo — funding is offered to Dojo customers and assessed on card transaction history, business performance and credit information; if you're switching, we review your existing statements up front so you know what's realistic
Why credit score matters less
A bank assesses you on accounts, credit history and projections. A merchant cash advance assesses you on something more direct and current: the money actually flowing through your card machine. If your takings are healthy and consistent, that's the strongest evidence you can repay — which is why businesses turned down for traditional lending, or without years of filed accounts, often still qualify. Dojo's funding partner runs a soft credit search only, so applying doesn't leave a mark on your credit file.
How eligibility affects how much you can borrow
The same takings that qualify you also size the advance. Amounts are typically around 0.8 to 1 times your average monthly card turnover, so a business processing more on card can access more. Consistency helps here too — steady takings support a larger, more comfortable advance than the same total spread over a few unpredictable spikes.
How to check
The quickest way to know is to have someone look at your actual takings. We can review your card turnover, tell you honestly whether funding is likely and roughly how much, and — just as importantly — whether it's the right tool for what you need it for. Ask us to check your eligibility →
FAQs
What do I need to qualify for Dojo funding?
Mainly a few months of card payment history and a consistent monthly card turnover. Eligibility leans on your takings rather than credit score alone.
Can I get Dojo funding if I've just switched providers?
Funding is offered to Dojo customers and assessed on card transaction history. If you're switching, we review your existing statements first and tell you what you're likely to qualify for once you're trading with Dojo.
Does my credit score matter for a merchant cash advance?
It matters far less than with a bank loan. Repayment comes from your card sales, so consistent takings are the main signal — and only a soft credit search is run, so checking doesn't affect your score.