Our requirements are intentionally simple. Meeting them doesn't guarantee approval, and missing one doesn't mean rejection — we look at every application as a whole, not as a checklist.
Your company should be operating for at least six months. Some products may be available even sooner — ask your specialist.
About $8,500 a month in revenue, give or take. Higher revenue typically unlocks larger funding amounts and better terms.
Funds are wired directly to your business account, and we review three months of statements during underwriting.
We focus on business performance, but a credit score gives us a starting point. Below 625? Apply anyway — we may still have options.
Approval is about the whole picture, not any one number. Here's what helps your case the most.
Steady deposits — even modest ones — tell us your business has reliable cash flow. Big swings aren't disqualifying, but consistency is the strongest signal.
Frequent overdrafts or very low average daily balances make underwriting harder. Keeping a positive balance most days makes a real difference.
More tenure means more options. Two-plus years opens up our best products, including longer-term loans and SBA financing.
A clear plan for the capital — and an industry our underwriters understand — speeds approval and often improves terms.