If you are searching the name Michael Dellachiara in a business-financing context, treat it the way an underwriter treats any inbound broker or funding contact: verify the person and the entity before you share bank data, read the offer for how it is actually priced, and never accept a deal on the strength of a name alone. A name is not a license, an approval, or a guarantee. What matters for your business is whether the party is a registered, checkable operator, how the capital is structured, and whether it fits your cash flow. This page walks through the due-diligence checklist a funder uses on every counterparty, then shows why a revenue-based / MCA marketplace approval — decided on your bank deposits and revenue rather than credit score, often funding in 24 to 48 hours — is frequently the cleaner path for a small business that needs working capital fast.
Key takeaways
- A personal name is not a credential. Whether the offer is legitimate depends on the registered entity behind it, not on the individual's name or title.
- Vet before you share: confirm legal entity, state registration, and a verifiable business address before sending bank statements or signing an authorization.
- Revenue-based funding approves on bank deposits and monthly revenue, typically accepting FICO scores of 500 and up, with common minimums around $10,000.
- Turnaround for revenue-based advances is often 24 to 48 hours once clean bank statements are in.
- No legitimate funder 'guarantees' approval or a rate before reviewing your statements. That language is a red flag, not a selling point.
- Revenue-based capital is priced as a factor (a flat cost of capital), not an APR, and repays as a fixed daily or weekly share of deposits.
- A marketplace lets one application reach multiple funders, so you compare offers instead of taking the first contact's terms.
Who is Michael Dellachiara in a business-funding context?
We do not publish unverified claims about any individual, and neither should you rely on them. "Michael Dellachiara" may reach a business owner as a broker, an ISO (independent sales organization) representative, a funding-company employee, or simply a name attached to a marketing message. In US small-business finance, the same first-touch role can sit behind very different economics — a direct funder using its own capital, a broker earning commission on a placed deal, or a lead reseller passing your information along.
The practical takeaway: the individual's name tells you almost nothing about the quality, price, or safety of the money. What you need to establish is the entity the person represents, whether that entity is registered and checkable, and how it gets paid. The rest of this guide is the checklist for doing exactly that, and a comparison against a revenue-based approval you can source and control yourself.
How to verify any business-funding contact before you engage
Run the same due diligence a funder runs on a new counterparty. None of this is adversarial — legitimate operators expect it and answer quickly.
- Get the legal entity name, not just a person or a brand. Ask for the registered company name and the state of incorporation, then look it up in that state's Secretary of State business registry.
- Confirm a real, checkable address and domain. A generic email address, a number-only text thread, and no physical address are all cautions.
- Ask how they are paid. Broker, ISO, or direct funder? Commission-based intermediaries are fine, but you deserve to know so you can weigh the markup.
- Read the authorization before you sign. A bank-statement authorization or soft-credit consent is normal; a broad, open-ended authorization to pull funds or re-sell your data is not.
- Never wire an upfront fee for a 'guaranteed' approval. Advance-fee demands for a promised approval are a classic fraud pattern.
If a contact resists these basic questions, that resistance is your answer. For a deeper walkthrough of structuring and pricing, see our business funding guide.
Red flags versus green flags when a name reaches out
Use this quick contrast to sort a real opportunity from a costly one.
- Red flag: "Guaranteed approval" or a firm rate quoted before anyone has seen a bank statement.
- Red flag: Pressure to sign today, upfront fees to 'release' funds, or refusal to name the funding entity.
- Red flag: Contact only through personal messaging apps with no company domain or address.
- Green flag: A named, registered entity you can find in a state registry.
- Green flag: A clear explanation of whether they are broker or direct, and how they are compensated.
- Green flag: Willingness to send terms in writing — factor cost, holdback percentage, estimated term, and the daily or weekly amount — before you commit.
The absence of red flags does not make a deal good; it makes it worth comparing. That is what a marketplace is for.
The alternative: revenue-based funding decided on your deposits
Instead of taking terms from whoever contacts you first, you can source a revenue-based advance (MCA) through a marketplace and let the underwriting turn on facts you control: your bank deposits and monthly revenue. This structure was built for owners who have real cash flow but imperfect credit.
- Approval driver: consistent bank deposits and revenue, not your FICO score alone.
- Credit: commonly available at FICO 500 and up, because deposit behavior does the heavy lifting.
- Minimum size: typically around $10,000 and up, scaled to your monthly revenue.
- Speed: often 24 to 48 hours from clean bank statements to funded.
- Pricing: a flat factor (cost of capital), repaid as a fixed share of daily or weekly deposits rather than a fixed loan installment.
Because repayment flexes with your deposits, this can suit businesses with seasonal or uneven revenue. It is working capital, not a mortgage — priced accordingly and best used for cash-flow-generating purposes.
Example scenarios (illustrative only)
The figures below are labeled for example and are not quotes. They show how deposits, not a name or a credit score, tend to drive a revenue-based approval. Actual terms depend on your statements and the funders competing for the deal.
| Business (for example) | Avg. monthly deposits | FICO | Likely approval range | Repayment style | Typical speed |
|---|---|---|---|---|---|
| Auto repair shop | $40,000 | ~540 | $15,000-$25,000 | Fixed daily share of deposits | 24-48h |
| Restaurant / QSR | $80,000 | ~600 | $30,000-$60,000 | Weekly ACH tied to revenue | 1-2 business days |
| Trucking / logistics | $120,000 | ~510 | $40,000-$90,000 | Daily share, holdback % | 24-48h |
| Retail / e-commerce | $25,000 | ~520 | $10,000-$18,000 | Daily or weekly, flexes with sales | Same/next day |
Notice the pattern: strong, steady deposits expand the range even at a 500s score. A thin or erratic deposit history compresses it, regardless of who referred you.
Decision framework: when this works best and when to avoid it
Revenue-based funding works best when:
- You have consistent bank deposits but credit that would slow or stop a bank loan.
- You need capital in days, not weeks, for a time-sensitive, cash-flow-generating use — inventory, payroll bridge, a booked job, equipment repair.
- Your margins comfortably absorb a fixed daily or weekly repayment share.
- You want to compare multiple offers from one application rather than take a single contact's terms.
Approach with caution or avoid when:
- Your revenue is thin, highly erratic, or declining — repayment could strain already tight cash flow.
- You are using the money for a purpose that does not generate near-term cash to service the advance.
- You already carry multiple advances and are considering stacking, which compounds daily repayment pressure.
- A cheaper, slower option (SBA, bank term loan, line of credit) fits your timeline and credit profile — pursue that first.
Match the tool to the job. Fast, revenue-based capital is a cash-flow instrument, not a substitute for the lowest-cost credit you can qualify for.
How to move forward safely
Whether or not a specific name like Michael Dellachiara is the contact who reached you, the safe sequence is the same. First, verify the entity behind any offer. Second, get terms in writing — factor cost, holdback or repayment percentage, estimated term, and the daily or weekly amount — before you sign anything. Third, compare. Running your recent bank statements through a revenue-based marketplace lets several funders bid on your file, so you evaluate real competing offers instead of a single quote.
Nothing here is a guarantee of approval; underwriting always depends on your actual statements. But putting the decision on your deposits and revenue — and on documented terms you can read — keeps control where it belongs: with the operator, not the caller. For structuring context, revisit our business funding guide before you commit.
Frequently asked questions
Is Michael Dellachiara a legitimate business-funding contact?
We can't validate any individual name for you, and you shouldn't rely on a name alone. Legitimacy attaches to the registered entity behind the person, not the person's title. Ask for the legal company name and state of incorporation, look it up in that state's business registry, and confirm a real address and domain before sharing bank data or signing anything.
What should I verify before sharing my bank statements with a funding contact?
Confirm the legal entity name and state registration, a verifiable business address and company domain, whether the party is a broker or direct funder, how they are compensated, and exactly what any authorization you sign permits. Never send statements or pay an upfront fee in exchange for a 'guaranteed' approval.
What credit score do I need for revenue-based business funding?
Revenue-based advances are commonly available at FICO 500 and up, because approval is driven mainly by your bank deposits and monthly revenue rather than your score. Strong, consistent deposits carry the most weight.
How fast can revenue-based funding be approved?
Often 24 to 48 hours once clean bank statements are submitted, and sometimes same or next business day for smaller amounts. Speed depends on how quickly you provide complete documentation.
How much can I get, and what's the minimum?
Minimums are typically around $10,000, with the approved amount scaled to your average monthly deposits and revenue. Higher, steadier deposits generally support larger offers. All figures are illustrative until a funder reviews your statements.
How is revenue-based funding priced?
It's priced as a flat factor — a cost of capital — rather than an APR, and repaid as a fixed share of your daily or weekly deposits. Because repayment flexes with revenue, it can suit uneven or seasonal cash flow. Always get the factor cost, holdback percentage, and estimated term in writing before you sign.
Why use a marketplace instead of the first contact who reaches out?
A marketplace lets a single application reach multiple funders, so you compare real competing offers instead of accepting one contact's terms. That competition, plus written terms, keeps pricing honest and the decision in your hands.
Is approval ever guaranteed?
No. Any 'guaranteed approval' claim — especially a firm rate quoted before anyone has seen your bank statements — is a red flag. Legitimate underwriting always depends on your actual deposit and revenue history.
