Qualification

Do you qualify? Here is what actually decides it.

Approval is not a mystery and it is not just a credit score. These are the five factors that decide most files, in the order they matter.

Apply Now Do I Qualify?

✓ Checking what you qualify for does not affect your credit score.

The five things that decide approval

Most declines trace back to one of five factors. Check yours against each before you apply, and you will know roughly where you stand.

1. Industry

Some industries are funded, some are not. Check your industry →

2. Average daily balance

Should be at least 10% of monthly revenue. See what this means →

3. Time in business

3+ years is strongest, but newer businesses are still funded. See the tiers →

4. Negative days & NSFs

Under 3 negative days a month and 6 NSFs a month keeps you in range. See the exact limits →

5. Existing positions

An open advance is not an automatic decline. See how it is handled →

The single biggest reason files get declined

By a wide margin, it is applying from a restricted industry. That is checked before anything else about the file, so it is worth thirty seconds before you apply.

The next most common reason is a thin average daily balance relative to revenue — not a low revenue number by itself, but a ratio that suggests the money is not actually sitting in the account.

The exact requirements

Here are the actual numbers, not ranges. The first tier carries the lowest cost. If a file misses it, the second tier is built for exactly that situation — so missing one line below does not end the conversation.

Tier 1 — line of credit and term loan

Time in business3+ years

Personal FICO650 or above

Revenue$300,000/year, or $25,000/month average

Deposits8 or more per month

Average bank balance$5,000, or 10% of monthly revenue

Negative daysMax 3 in a month, 9 in the past 6 months

NSFsMax 6 in a month, 24 in the past 6 months

OwnershipAt least 50%. Sole proprietors eligible; no non-profits

Bankruptcy / foreclosureNone in the last 3 years from disposition date

Existing positionsNo more than 2. Term loan is first position only; a line of credit can sit in second position

States fundedAll 50 states

Tier 2 — revenue-based funding

For newer businesses, lower credit scores, and files that already carry a position.

Time in business6+ months

Personal FICO600 or above

Revenue$60,000 in verifiable revenue

Minimum daily balance$800

Negative days / NSFsMax 5

Existing positionsUp to 2 current advances

OtherNo open bankruptcies and no prior defaults

Entity typeSole proprietors eligible; no non-profits

Added state rulesCalifornia and New York carry extra restrictions on this tier

Two industries carry their own rules on the second tier. Trucking needs 3 years in business, $200,000 in revenue and contracts with Amazon, FedEx or UPS. Construction needs $500,000+ in monthly revenue, 5 years in business, 10+ monthly deposits and a commercial business location.

How it works

1. Apply in minutes

A short application. No impact to your credit score to see what you qualify for.

2. Same-day decision

We review revenue, time in business and bank activity — not just a credit score.

3. Review your terms

You see the amount, the term and the total cost before you sign anything.

4. Funded next business day

Money in your account, typically the next business day after signing.

Common questions

What is checked first?

Industry eligibility. It is an automatic factor regardless of how strong the rest of the file is.

Does one weak factor mean automatic decline?

Not necessarily. Files are weighed as a whole. Time in business under 3 years, for example, is a risk factor, not an automatic decline.

Can I check before I apply?

Yes. Checking what you qualify for does not affect your credit score.

What if I already have an advance?

See MCA refinance and buyout. Existing positions are reviewed, not an automatic decline.

How fast will I know?

Same-day decision.