At least 18 months in business
Operating history is reviewed alongside the full business and financial profile.
Business financing inquiry
Start with the business basics.
Use this short, non-sensitive inquiry so Perception Capital can understand the business and determine whether a suitable referral path may be available. It is not a credit application, approval, offer, or commitment to lend.
No sensitive identity, banking, or document collection at this stage.
Do not provide an SSN, tax ID, date of birth, bank credentials, bank account or routing numbers, or document uploads. This initial inquiry does not request or accept those items.
Initial fit guidelines
Review the baseline before continuing.
These are preliminary screening guideposts, not approval standards. Providers may use different or additional underwriting criteria.
$75K+ average monthly revenue
Revenue alone does not determine eligibility, available products, or potential terms.
U.S. business bank account
An active business operating account may be required later in a provider review.
All financing positions disclosed
Accurate disclosure of current business obligations supports a responsible evaluation.