Typically around six months in business, steady monthly revenue, a business bank account and a 500+ credit score for revenue-based funding; banks ask for more.
Check my optionsRequirements
Minimum requirements are the floor below which a lender will not consider an application. They differ sharply between banks, online lenders and revenue-based funders, so knowing the floors saves time and credit inquiries.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
A human reads the file, not just an algorithm score.
Advances, lines of credit and second-position options in one place.
Your file goes to funders that fit it, so offers can be compared.
Net cash, total payback and payment shown before you sign.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Time in business is the first floor. Banks and SBA lenders commonly look for two years of operating history, though SBA programs can fund startups with strong owner experience and equity. Online lenders often set floors around six months to a year. Revenue-based funders and merchant cash advance providers may consider businesses with several months of consistent deposits.
Revenue is the second floor. Many online lenders publish minimum annual revenue thresholds. Revenue-based funders look at average monthly deposits and the number of deposits per month, since the offer is sized on that activity. Very low or highly irregular deposits are the most common reason revenue-based applications do not proceed.
Credit is the third floor. Banks often look for personal scores in the high 600s or above; online lenders vary; revenue-based funders, including those reached through MFE, consider scores from 500, with better credit earning better offers. Recent defaults on business debt and open tax liens can override the score floor.
Documentation is the fourth. Every lender needs identity verification for owners, basic business information and bank statements. Banks and SBA lenders add tax returns, financial statements, debt schedules and sometimes collateral documentation and business plans. Revenue-based funders generally require the least paperwork.
Beyond the floors, industry matters. Some funders restrict or apply tighter terms to certain industries, so comparing through a marketplace that reaches multiple funders improves the chance of a match.
Here is an offer for a business that clears revenue-based minimums. Illustrative numbers.
| Business bank statements | 3–6 months, PDF from the bank |
| Month-to-date activity | Recent transactions |
| Government ID | Owner(s) with 50%+ |
| Voided business check | For funding and payments |
| Existing advance details | Balance and payment of each |
| Business details | EIN, address, start date |
Complete files get faster decisions and larger offers.
| Bank / SBA | ~2 years, strong credit, full documents |
| Online lender | ~6-12 months, revenue threshold, moderate credit |
| Revenue-based funder | Several months of deposits, credit from 500 |
| All lenders | Owner ID, business details, statements |
| Overrides | Recent defaults, tax liens, restricted industries |
Good fit:
Probably not yet:
They vary: time in business, revenue, credit and documentation floors differ by lender type.
Revenue-based options consider scores from 500; banks typically require more.
Banks often want two years; revenue-based funders may consider several months.
Many lenders set one; revenue-based funders focus on monthly deposits.
It can, unless a payment plan is in place and current.
Yes, some funders restrict certain industries.
Rarely the hard floors, but a strong file can sometimes offset a borderline factor such as time in business.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding