What each tier typically means
What matters more as time in business drops
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.
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
Can a business under a year old get funded?
Yes, particularly with strong revenue consistency and a healthy average daily balance.
Does time in business affect the amount I can get?
It is one factor among several. Longer-operating businesses often see stronger terms, but amount depends on the whole file.
What counts as the start date?
Typically the date the business was legally formed or began operating, whichever your documentation supports.
Is there a hard minimum?
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.