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There are even variations among those that do require them. For instance, some lenders might have average merchant cash advance requirement of two months cash reserves, while another has a more stringent six-month requirement.
It varies widely. The standards can also be applied differently for different borrowers, based on the borrowers qualifications: If you have excellent credit, a low debt-to-income ratio, and a large down payment, youre less likely to be slapped with a cash-reserve requirement.
You are a well- qualified borrower with a history of repaying your debt obligations on time and in full. You are a low-risk borrower.
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