Latino Financial requirements
Checked October 15, 2026: Latino Financial publishes 3+ months in business and $7,500+ in monthly sales, for $5,000 to $500,000. A credit minimum, rates and terms are not published.
These details come from Latino Financial’s main page and application. Meeting them lets you apply; the amount and terms you are offered depend on the financier that reviews your file.
| Latino Financial | |
|---|---|
| How it works | Spanish-language application; says “Te conectamos con múltiples financistas” (we connect you with multiple financiers) |
| Company name | Not published |
| Street address | Not published |
| Minimum credit | Not published |
| Time in business | 3+ months |
| Revenue | $7,500+ in monthly sales |
| Amounts | $5,000 to $500,000 (“Obtén hasta $500K”) |
| Rates and terms | Not published |
| Speed claim | “Aprobación inmediata” (immediate approval) |
| Application | 8 steps, starting “¿Cuánto capital está buscando?”; “Solo toma 2 minutos” |
Sources: Latino Financial homepage, application page; checked October 15, 2026. Latino Financial is a trademark of its owner; Merchant Fund Express is not affiliated.
3+ months in business. This is a low bar. A business that opened this season can qualify on time alone. Have your formation date and your business bank account opening date ready, since financiers look at how long deposits have been coming in.
$7,500+ in monthly sales. That is about $90,000 a year. It is on the same scale as common merchant cash advance guidelines. Expect the financier to check it against bank deposits, not against what you type into the form, so look at your last three to four months of statements first.
Credit. No minimum is published. Ask whether the first review uses a soft or hard credit check before you consent.
Amount. $5,000 to $500,000. The top of the range needs revenue far above $7,500 a month; on a revenue-based product, the offer is usually sized against your monthly deposits.
Application. The form has 8 steps, starts with “¿Cuánto capital está buscando?”, and says “Solo toma 2 minutos”. Know your number before you start: the amount you need, and the payment you can carry in your slowest month.
Illustrative self-check. A food truck depositing $8,200 a month for five months clears both published lines. One depositing $6,900 a month does not clear the $7,500 sales line, even with a strong month in between.
What is missing. Rates, terms, a legal company name and a street address are not published. Ask for all of them in writing.
What to have ready. The site does not publish a document list. A sensible starting set is your last three to four months of business bank statements, a government ID, your business formation date, and a list of any advances or loans you are already paying, with the balance and the payment for each. Having these together before you open the form keeps the 8 steps quick and helps you spot problems, such as a month under $7,500 or a run of negative days, before a financier does.
Questions to send before you upload anything. Which company will make the offer? What is its legal name and address? Is the credit check soft or hard? Where is the privacy policy?
If your business is under three months old or below $7,500 a month in sales, wait until your deposits show both, then compare. If you meet them but want the company name, rates or terms published first, compare providers that publish more. Merchant Fund Express starts at a 500 credit score, matches one application with multiple funders, and publishes Spanish pages.
Good fit:
Compare first if:
Merchant Fund Express matches one application with multiple funders whose criteria differ from Latino Financial’s, so a file that misses one cutoff may fit another. Credit from 500, same-day decisions, funding typically the next business day.
3 months or more, according to its main page, checked October 15, 2026.
$7,500 or more in monthly sales.
Not published.
Its site lists $5,000 to $500,000.
8 steps; the site says it only takes 2 minutes.
No, rates and terms are not published.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
