Declined
Tree of Life Funding’s homepage asks for $30,000+ a month and 6+ months in business. If you missed one of those lines, here is where the bar is lower and what to do next.
✓ Checking what you qualify for does not affect your credit score.
Tree of Life Funding states its minimums on several pages (checked October 15, 2026), and they differ, so ask which one your file was measured against. The likely causes of a decline:
| What Tree of Life Funding states | Figure | Page |
|---|---|---|
| Minimum monthly revenue | $30,000+ | Homepage |
| Time in business | 6+ months | Homepage |
| Time in business | 3 months | /compare/ondeck |
| MCA revenue | $10,000 a month | llms.txt |
| Term loan credit | 600+ can qualify | /products/business-term-loans |
Sources: treeoflifefunding.com (homepage), /who-we-are, /products/business-term-loans, /products/merchant-cash-advance, /compare/ondeck, llms.txt, llms-full.txt and Trustpilot; checked October 15, 2026. Tree of Life Funding 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.
Revenue-based files are read from 6 months in business. If you already carry an advance, a buyout of a balance of $100,000 or less can lower the payment, and second position funding is available.
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 hair salon owner declined by Tree of Life Funding, with a 580 score, 10 months in business and $21,000 a month in deposits, sits below the $30,000 monthly figure on its homepage. Here the file would be read on revenue and deposits from the 500 floor, and the question becomes how much a revenue-based product supports.
Ask Tree of Life Funding (12000 Biscayne Blvd, Miami) which product your file was reviewed for and which minimum it missed, since its pages state different figures. If it was time in business, a few more months may change the answer there. Write down any advance or loan you already hold: the funder, the remaining balance, the payment and how often it is taken. Check your last three to four months of bank statements for negative days and returned items. Whatever offer you get next, compare the APR including every fee and the total payback, not just the factor rate.
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.
Ask for the reason in writing. Its homepage states $30,000+ a month and 6+ months in business; other pages state lower figures.
Yes. A position with a balance of $100,000 or less can be refinanced into a weekly-payment structure.
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.
