Bank statements showing steady deposits, a business account in good standing, time in business, and a clear use for the money. Few negative days help.
Check my optionsRequirements
Working capital funding is sized to your operating cash, so the qualification centers on deposits, balances and existing payments. Here is what an underwriter checks and how to present it well.
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.
Your file goes to funders that fit it, so offers can be compared.
Approved files are usually funded the next business day.
Advances, lines of credit and second-position options in one place.
You can apply at 500; stronger credit opens more products.
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.
The underwriter starts with average monthly deposits over the last three to six months and whether they are stable, growing or falling. A business with $40,000 a month that is steady will usually be offered more than one averaging the same but swinging wildly. Next comes the count of deposits, since many smaller deposits suggest a broad customer base, and the average daily balance.
Then they look for risk signals: negative days, returned items, large unexplained transfers and debits to other funders. Each existing advance or loan reduces what the business can safely carry. Finally they check the owner credit, with options from 500, and confirm identity and ownership. Better credit generally means a larger offer, lower cost or longer term.
To present well, apply after your strongest recent months rather than right after a slow one, explain any one-time dips (a closed week for renovation, a delayed client payment), and request an amount tied to a specific use. A clear purpose and clean statements often move a file from a small offer to a better one.
Underwriters also look at what happens to deposits after they arrive. Accounts where most money leaves the same day to other funders, credit cards or transfers to other accounts can signal strain even when deposits are strong. A steady cushion left in the account tells a better story.
Industry context matters at the margins. Some funders apply different criteria to sectors they consider higher risk, so a working capital request that one funder declines may be approved by another. Applying once through a marketplace lets several funders evaluate the same file.
Here is how a working capital offer might be sized from monthly deposits. 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.
| Average monthly deposits | Sets the offer range |
| Deposit trend | Stable or growing preferred |
| Average daily balance | Shows cushion |
| Negative days and returns | Fewer is better |
| Existing funding debits | Reduces capacity |
Good fit:
Probably not yet:
Often a fraction of one month of deposits on a first round, rising with history.
Not if explained. Underwriters weigh trends and context.
Options start at 500; higher scores earn better offers.
Yes, they reduce the payment capacity left for new funding.
Same-day decisions are common, with funding as soon as the next business day.
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