Guide
No separate product, no different pricing. The file is read on revenue, deposits and time in business.
✓ Checking what you qualify for does not affect your credit score.
No separate product, no different pricing. The file is read on revenue, deposits and time in business.
What is worth pursuing alongside: WOSB federal contracting certification through the SBA, and Women’s Business Centers, which provide free advisory support. Neither is lending, and neither is a substitute for working capital, but both change what the business can bid on.
Certification takes weeks and does not fund payroll. Treat them as parallel tracks, not alternatives.
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.
No separate product, no different pricing. The file is read on revenue, deposits and time in business.
What is worth pursuing alongside: WOSB federal contracting certification through the SBA, and Women’s Business Centers, which provide free advisory support. Neither is lending, and neither is a substitute for working capital, but both change what the business can bid on.
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.
