The three things that set your number
Underwriting is less mysterious than people assume. For revenue-based products it comes down to:
Monthly revenue
The single biggest driver. Consistent deposits month over month matter more than one strong month.
Time in business
Longer operating history means more data and generally better terms.
Bank activity
Average daily balance, how often the account goes negative, and NSF frequency. This is where thin files get cut.
Existing obligations
Open advances and loans reduce what you can carry — but do not automatically disqualify you.
What actually improves your number
Before you apply, the highest-leverage things are keeping a healthier average daily balance, avoiding negative days and NSFs in the months leading up, and disclosing existing positions so the file is structured correctly the first time.
If your file is thin right now, we will tell you what to fix rather than burning the application.
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
How much can I borrow with $20,000 a month in revenue?
It depends on consistency, time in business and bank activity, not revenue alone. Apply and you will get a real number the same day.
What is the maximum?
$350,000 on a line of credit, $250,000 on a term loan.
What is the minimum?
$10,000 on both products.
Does my personal credit decide the amount?
It is one input. Revenue, time in business and bank activity carry more weight on these products.
Do existing advances reduce what I can get?
They affect what the business can carry, yes. But we fund first and second position and can buy out balances of $100,000 or less.