Declined
Latino Financial publishes 3+ months in business and $7,500+ in monthly sales for $5,000 to $500,000. Most declines come down to one of those lines, or to no financier taking the file.
✓ Checking what you qualify for does not affect your credit score.
Latino Financial publishes two requirements and an amount range (checked October 15, 2026). A decline usually traces back to one of these:
| What Latino Financial publishes | Figure |
|---|---|
| Amounts | $5,000 to $500,000 |
| Time in business | 3+ months |
| Monthly sales | $7,500+ |
| Credit minimum, rates, terms | Not published |
Sources: Latino Financial homepage, application page; checked October 15, 2026. Latino Financial is a trademark of its owner; Merchant Fund Express is not affiliated.
No hard credit cutoff here, and the line of credit reaches $350,000.
The minimum FICO is 500. The 650/600/550 tiers are product criteria that decide which product a file is read against, not a floor on the business. Scores in the 500s are placed routinely and are read on revenue, deposit consistency and time in business rather than on the score alone.
Be realistic about timing: the revenue-based tier here asks for 6 months in business. A business declined at three or four months for being too new may need to wait until its deposits show six months before any route opens.
Tier 1: 650 FICO, 3 years in business, $300,000 a year or $25,000 a month, 8+ monthly deposits.
Tier 2: 600 FICO, 6 months in business, $60,000 revenue, $800 minimum daily balance.
Renewal: 550 FICO, 2 years in business, once 50% of the original balance is repaid.
A position with a balance of $100,000 or less can be refinanced into a weekly-payment structure.
Illustrative example: a restaurant declined at Latino Financial with eight months in business, a 610 score and $11,000 in monthly deposits would be read against Tier 2 here, where deposit consistency and the minimum daily balance carry as much weight as the score.
Pull your last four months of business bank statements and add up the deposits for each month. If any month is under $7,500, or if you see negative days or returned items, fix those first; they are read closely everywhere. Write down the amount you actually need and the payment your slowest month can carry. And whichever provider you apply to next, ask for the legal company name and the privacy policy before you upload documents.
No. A prior decline elsewhere is not one of the thresholds on this site.
The minimum FICO is 500. The 650/600/550 tiers are product criteria that decide which product a file is read against, not a floor on the business.
The usual causes are under 3 months in business, under $7,500 in monthly sales, or no financier making an offer. Ask for the reason.
6 months for the revenue-based tier and 3 years for Tier 1.
New residential construction, residential remodelling, long-distance trucking, used car dealers, and certain real estate businesses.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
