Public dataset
Minimum time in business, revenue, credit score, amounts, terms and payment frequency, copied from each provider's own official pages and checked October 13, 2026. Blank means the provider does not publish it.
✓ Checking what you qualify for does not affect your credit score.
Updated October 13, 2026 · Merchant Fund Express
This is a reference table of the minimum requirements that well-known U.S. small-business financing providers publish about themselves. Each row is one product from one provider, read on that provider's own website on October 13, 2026. Where a provider does not state a value, the cell says "Not published" instead of an estimate. Our own two published tiers are included as rows, held to the same rule.
It is useful if you want to shortlist providers whose published floors your business already clears, before you spend time on applications. It is not useful if you want prices: rates and factors depend on each file and are left out on purpose. For pricing, compare real offers with the offer comparison calculator.
Download: lender-requirements-2026-10.csv (one row per product, with the source URL and the date checked in every row).
Change history: First published October 13, 2026.
| Provider and product | Time in business | Revenue | Credit score | Source |
|---|---|---|---|---|
| OnDeck Term loan | 1 year | $100,000 annual | 625 personal FICO | ondeck.com |
| OnDeck Line of credit | 1 year | $100,000 annual | 625 personal FICO | ondeck.com |
| Bluevine Line of credit | 12+ months | $10,000 monthly ($120,000 annual) | 625+ personal FICO | bluevine.com |
| Credibly All products (site-wide minimums) | 6+ months | $15,000+ monthly ($180,000+ annual) | 500+ | credibly.com |
| Rapid Finance Small business loan | Not published | Not published | Not published | rapidfinance.com |
| Rapid Finance Line of credit | Not published | Not published | Not published | rapidfinance.com |
| Kapitus Business loan | 2+ years | $250,000 annual | 650 | kapitus.com |
| Kapitus Revenue based financing | 2 years | $250,000 annual | 650 | kapitus.com |
| Fora Financial Small business loan | 6+ months | $240,000+ annual | 570+ | forafinancial.com |
| Fora Financial Line of credit | Not published | Not published | Not published | forafinancial.com |
| Forward Financing Small business funding | 1 year | $10,000 monthly | 500+ | forwardfinancing.com |
| National Funding Working capital | Not published | Not published | Not published | nationalfunding.com |
| National Funding Equipment financing | Not published | Not published | Not published | nationalfunding.com |
| QuickBridge Small business financing | 6+ months | $250,000+ annual sales | Not published | quickbridge.com |
| Square Square Loans | Not published | Not published | Not published | squareup.com |
| Shopify Shopify Capital | 90 days selling on Shopify | Not published | No credit check stated | shopify.com |
| PayPal PayPal Business Loan | 9 months | $33,300 annual | Not published | paypal.com |
| U.S. Small Business Administration SBA 7(a) loan | Not published | Not published | Not published | sba.gov |
| SoFi Small business loan (SoFi Bank, N.A.) | 3 months of business checking history | $50,000 annual | Not published | support.sofi.com |
| Merchant Fund Express Tier 1: line of credit and term loan | 3+ years | $300,000 annual or $25,000 monthly | 650+ FICO | mfebusinessloans.com |
| Merchant Fund Express Tier 2: revenue-based funding | 6+ months | $60,000 verifiable | 600+ FICO (500+ considered) | mfebusinessloans.com |
| Provider and product | Amount | Term | Payments | Notes |
|---|---|---|---|---|
| OnDeck Term loan | $5,000 to $400,000 | Up to 24 months | Not published | Minimums listed site-wide; not offered in North Dakota |
| OnDeck Line of credit | $6,000 to $200,000 | 12, 18 or 24 months | Not published | $1,000 minimum draw at origination |
| Bluevine Line of credit | Up to $250,000 | Up to 12 months | Weekly or monthly | |
| Credibly All products (site-wide minimums) | Up to $600,000 | Not published | Daily, weekly or monthly | Line of credit listed up to $300,000 |
| Rapid Finance Small business loan | Up to $1,000,000 | 3 to 60 months | Daily or weekly | Asks for three months of business bank statements |
| Rapid Finance Line of credit | $5,001 to $250,000 | Up to 18 months | Weekly | |
| Kapitus Business loan | Up to $5,000,000 | 6 to 24 months | Daily, weekly or monthly | Page says a broader set of criteria may also apply |
| Kapitus Revenue based financing | Up to $5,000,000 | 6 to 24 months | Daily, weekly or monthly | |
| Fora Financial Small business loan | $5,000 to $1,500,000 | Up to 18 months | Daily or weekly | |
| Fora Financial Line of credit | $5,000 to $100,000 | 12 months | Weekly or monthly | |
| Forward Financing Small business funding | $5,000 to $500,000 | 3 to 18 months (typical) | Daily or weekly | FAQ calls these typical; exceptions sometimes made |
| National Funding Working capital | $6,000 to $500,000 | 4 to 24 months | Daily or weekly | FAQ describes most customers as 600+ FICO; not stated as a minimum |
| National Funding Equipment financing | Up to $150,000 | 2 to 5 years | Monthly | |
| QuickBridge Small business financing | Up to $500,000 | Not published | ACH Monday to Friday, excluding bank holidays | Business bank account required |
| Square Square Loans | $100 to $500,000 | Not published | Share of daily card sales, with a minimum payment | Offers based on processing volume and account history |
| Shopify Shopify Capital | Up to $2,000,000 | Maximum 18 months | Fixed share of daily sales | Two minimum payments apply |
| PayPal PayPal Business Loan | $5,000 to $200,000 (up to $300,000 repeat) | 17 to 52 weeks | Weekly | Lender is WebBank; soft check for eligibility |
| U.S. Small Business Administration SBA 7(a) loan | Up to $5,000,000 | Not published | Mostly monthly | Must be for-profit, small and able to repay; Working Capital Pilot needs 1 year and runs up to 60 months |
| SoFi Small business loan (SoFi Bank, N.A.) | $2,500 to $250,000 | 6 to 24 months | Weekly or biweekly | Minimums from SoFi support article |
| Merchant Fund Express Tier 1: line of credit and term loan | Within $25,000 to $5,000,000 | Not published | Not published | 8+ deposits a month; at most 2 existing positions |
| Merchant Fund Express Tier 2: revenue-based funding | Within $25,000 to $5,000,000 | Not published | Not published | $800 minimum daily balance; up to 2 current advances |
Payment frequency matters as much as the amount. A daily schedule takes about 21 debits a month from a business account, a weekly schedule about 4 or 5, and a monthly schedule one. Test any schedule with the payment burden calculator before you sign.
Take a business on October 13, 2026 with 10 months of history, $22,000 a month in deposits and a 590 personal score. Annual revenue is $22,000 x 12 = $264,000. Read each row's published floors against those three numbers:
| Row | Published floors | Result |
|---|---|---|
| Credibly | 6+ months, $15,000 a month, 500+ | Clears all three |
| Fora Financial small business loan | 6+ months, $240,000, 570+ | Clears all three ($264,000 is above $240,000) |
| QuickBridge | 6+ months, $250,000 in sales | Clears both published floors; credit not published |
| PayPal Business Loan | 9 months, $33,300 | Clears both; credit not published |
| Forward Financing | 1 year, $10,000 a month, 500+ | Misses time by 2 months |
| OnDeck, Bluevine | 1 year and 625 | Misses time and score |
| Kapitus | 2 years, $250,000, 650 | Misses time and score |
| Merchant Fund Express Tier 2 | 6+ months, $60,000, 600+ | Misses the 600 line; 500+ is still considered |
Four rows clear every published floor, and two more are 2 months away. Waiting until December 2026 would add the 1-year rows; lifting the score by 35 points to 625 would add OnDeck and Bluevine once time is met.
All figures in worked examples are illustrations of the arithmetic, not offers or quotes. Real terms depend on your file and the funder.
Rows with 6-month or 90-day floors: Credibly, Fora Financial, QuickBridge, Shopify Capital for Shopify sellers, our revenue-based tier.
Rows publishing 500 or 570: Credibly, Forward Financing, Fora Financial. We consider 500+, and 600+ opens better offers.
Kapitus and the SBA 7(a) publish up to $5,000,000; Fora Financial and Shopify publish $1,500,000 and $2,000,000. Our range is $25,000 to $5,000,000.
Square Loans and Shopify Capital repay as a share of sales on their own platforms.
SBA 7(a) and longer-term bank-style loans usually cost least, but take more paperwork and time.
Read position limits; our tiers allow up to 2 positions, and balances of $100,000 or less can often be bought out.
Whichever row fits, the documents a funder reads first are the same: about three months of business bank statements as PDFs, the business details (legal name, EIN, start date, industry), owner details for the credit review and a debt list. Our published lines are on funding requirements. To see where your file stands without touching your credit, run the qualification check, or go straight to the application.
Each value was read on the provider's own official website, or sba.gov, on October 13, 2026. The source URL is in the table and in every CSV row.
The provider's official page does not state that value. We leave it blank rather than estimate it or copy it from a review site.
No. A published minimum is a floor for applying. Providers also read bank activity, existing positions, industry and state before any offer.
Rates and factors depend on the individual file and change often. Compare real offers on net proceeds and total repaid instead.
The change history line records each update. This version was first published October 13, 2026; confirm values on the source page before relying on them.
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