Which tier does your business land in?
Answer five questions against the published thresholds. This is not a soft maybe — it compares your file to the actual numbers on the underwriting sheets.
This compares your answers to published thresholds. It is not an approval, and underwriting weighs bank activity too — average daily balance, negative days and NSFs. See every requirement in full →
What it is checking against
These are the published thresholds, not estimates. Tier 1 is the bank-style line of credit and term loan. Tier 2 is revenue-based funding for files Tier 1 turns away. Tier 3 is renewal pricing on an existing facility.
What the checker does not see
Bank activity. Underwriting weighs average daily balance against monthly revenue, targeting roughly 10%, and counts negative days and NSFs. A file can clear every threshold above and still struggle if the statements are thin.
That cuts both ways: strong, clean bank activity carries real weight when one of the thresholds is borderline.
How it works
1. Apply in minutes
A short application. No impact to your credit score to see what you qualify for.
2. Same-day decision
We review revenue, time in business and bank activity — not just a credit score.
3. Review your terms
You see the amount, the term and the total cost before you sign anything.
4. Funded next business day
Money in your account, typically the next business day after signing.
Common questions
What credit score do I need for a business loan?
650 for a line of credit or term loan. 600 for revenue-based funding. 550 on a renewal.
What is the minimum time in business?
3 years for Tier 1, 6 months for Tier 2, 2 years for a renewal.
What if I have an existing advance?
Up to two positions are allowed. A term loan is first position only; a line of credit can sit second.
Which states are excluded?
Vermont, North Dakota and South Dakota.
Is this an approval?
No. It compares your answers to published thresholds. Underwriting reviews bank statements before any offer.