Requirements
Funding requirements: do you qualify?
Our requirements focus on the health of your business, not just your credit score. Most businesses that meet these basics have at least one option.
No impact to your credit score to check your options
- LocationOperating in the United States, Puerto Rico, or Canada
- Time in business6 months or more
- Monthly revenue$15,000 or more in gross deposits
- BankingRevenue deposited into a business bank account
- CreditOwner credit score of 500 or higher
Documents to have ready
- Last 3 to 4 months of business bank statements
- Driver’s license for each owner
- Voided business check
Some products, such as term loans and larger lines of credit, may also ask for tax returns or financial statements. Full checklist
Requirements by product
| Product | Typical profile |
|---|---|
| Merchant cash advance | Strong deposits; credit from 500 |
| Working capital | Steady monthly revenue; fair credit |
| Line of credit | Established revenue history; fair to good credit |
| Term loan | Longer time in business; good credit |
| Equipment financing | Equipment quote; fair credit |
Do not meet every requirement? Apply anyway. Your advisor will tell you honestly what is possible today and what would strengthen your file. Read how to qualify and get better terms.
See what your business qualifies for
Two-minute application. Decisions in as little as 2 hours. No obligation and no impact to your credit score.
