Time in Business
3 years is a hard floor for the line of credit and term loan. Under that, the revenue-based tier starts at 6 months. Here is exactly where each tier begins.
✓ Checking what you qualify for does not affect your credit score.
The less operating history a business has, the more weight the other factors carry — average daily balance, industry, and clean bank activity in particular.
A 9-month-old business with excellent bank activity is often a stronger file than a 4-year-old business with a thin, erratic balance.
A short application. No impact to your credit score to see what you qualify for.
We review revenue, time in business and bank activity — not just a credit score.
You see the amount, the term and the total cost before you sign anything.
Money in your account, typically the next business day after signing.
Yes, particularly with strong revenue consistency and a healthy average daily balance.
It is one factor among several. Longer-operating businesses often see stronger terms, but amount depends on the whole file.
Typically the date the business was legally formed or began operating, whichever your documentation supports.
It depends which tier you are going for. The line of credit and term loan tier requires 3 or more years in business, with no exceptions. The revenue-based tier starts at 6 months. So under 3 years does not mean no funding — it means a different product.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
