Guide
The binding constraint for a first-time owner is almost never the score — it is time in business.
✓ Checking what you qualify for does not affect your credit score.
The binding constraint for a first-time owner is almost never the score — it is time in business.
Revenue-based funding starts at 6 months. Below that there is no product here at any score, because a funder is buying a track record and a business under six months has not built one yet.
What to build in the meantime: 8+ deposits a month, an average daily balance of $5,000 or 10% of monthly revenue, and few negative days. That file funds at six months regardless of the score.
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.
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.
Application plus three months of business bank statements. Same-day decision, next business day funding.
The binding constraint for a first-time owner is almost never the score — it is time in business.
Revenue-based funding starts at 6 months. Below that there is no product here at any score, because a funder is buying a track record and a business under six months has not built one yet.
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.
No.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
