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Every threshold below is published before you apply — the credit floor, the revenue minimum, the bank activity allowances and the industries that are restricted. Including the ones that disqualify you.
✓ Checking what you qualify for does not affect your credit score.
Kapitus publishes a 625 credit minimum and 2 years in business. Those two lines, not the product, are what send most files elsewhere.
Minimums are eligibility thresholds rather than approvals, and every provider changes them without notice. The figures here are each company’s own, read in September 2026.
Three products sit behind one application, each with its thresholds published in full: the line of credit and term loan at 650 FICO, 3 years in business, $300,000 a year or $25,000 a month, 8+ monthly deposits; revenue-based funding at 600 FICO, 6 months in business, $60,000 revenue, $800 minimum daily balance; renewal pricing at 550 FICO, 2 years in business, once 50% of the original balance is repaid.
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.
Where Kapitus reads a 625 score as the gate, the question here is what the bank statements show. A clean account at a lower score is a stronger file than a thin one above the cutoff.
The score sets which product you are read against. The bank statements decide the rest: average daily balance, how many negative days, how many NSFs, how many deposits a month and whether revenue is steady or spiky.
The published bank-activity allowances here are up to 3 negative days a month, 9 per six months and up to 6 NSFs a month, 24 per six months. Average balance of $5,000, or 10% of monthly revenue, whichever is greater.
It depends on the file. Where Kapitus needs 625 and 2 years in business, the three tiers here start at 650/3 years, drop to 600/6 months for revenue-based funding, and have a minimum FICO of 500 below that — scores in the 500s are placed routinely.
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.
Same-day decision and next business day funding on a complete file. A complete file is the application plus three months of business bank statements.
Yes, up to two existing positions. The line of credit can sit in second position. A position with a balance of $100,000 or less can be refinanced into a weekly-payment structure.
No. Checking what you qualify for does not affect your credit score.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
