Business Funding Requirements — The Exact Numbers

The exact requirements

Check your business against each line below. 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%. No sole proprietorships, 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 fundedEvery state except Vermont, North Dakota and South Dakota

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 typeNo sole proprietorships and 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.

Read it this way

Work down Tier 1 first. If every line is a yes, you are looking at the cheapest money on the page — a line of credit from 1% per month or a term loan at 0% origination.

The moment you hit a line that is a no, stop and read Tier 2. It exists precisely for the files Tier 1 turns away: under three years, a credit score in the 600s, an advance already on the books.

One miss on Tier 1 does not mean declined — it means a different product

Industry is checked before anything else, so check that first

Bank activity is weighed across 3 to 6 months, not one snapshot

Nothing here affects your credit score to check

Not sure your industry clears? Check the industry list first →

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 the minimum credit score?

650 for a line of credit or term loan. 600 for revenue-based funding. A renewal on an existing facility drops to 550.

What is the minimum time in business?

3 years for a line of credit or term loan, 6 months for revenue-based funding.

What is the minimum revenue?

$300,000 a year, or $25,000 a month average, for Tier 1. $60,000 in verifiable revenue for Tier 2.

How much do I need in the bank?

An average balance of $5,000, or 10% of monthly revenue, on Tier 1. A minimum daily balance of $800 on Tier 2.

Do sole proprietors qualify?

No. Neither tier funds sole proprietorships or non-profits. You need at least 50% ownership of a registered entity.

Which states are excluded?

Vermont, North Dakota and South Dakota are not funded. California and New York carry extra restrictions on the revenue-based tier.

Does checking affect my credit?

No.

The requirements, published in full.