Business financing
Compare two flexible financing structures, understand what each may support, and begin with a guided application when the timing is right.
Two paths to consider
Neither option is automatically better. The useful question is which repayment and access pattern fits your business plan.
Receive a fixed amount under an approved offer and repay according to that offer’s schedule.
Often considered forPlanned investments
Access patternOne approved amount
Access eligible draws from an approved credit limit, subject to the offer and continuing availability.
Often considered forVariable or repeat needs
Access patternDraw as eligible
Side-by-side
This is general educational information, not a recommendation or an offer.
Baseline screening criteria
Meeting these guideposts does not guarantee eligibility or approval. Providers may apply additional criteria.
At least 18 months of operating history.
At least $75,000 in average monthly business revenue.
An active U.S. business bank account.
All current financing positions disclosed for review.
A visible process
Tell us about the business and the intended use of funds.
Provide requested financial and ownership information.
If eligible, examine costs, terms, and payment structure.
Continue only after you understand the full offer.
Questions, answered
Start with how you expect to use the funds. A defined project may align with term financing, while recurring or less predictable needs may align with a line of credit. The right option depends on your cash flow, qualifications, provider review, and the terms of any offer.
No. An application is only the beginning of a review. Eligibility, product availability, financing amount, costs, repayment structure, and final terms remain subject to the lending partner’s underwriting and approval.
You may be asked for basic ownership and business information, recent business bank statements, revenue details, and a complete description of existing financing obligations. Additional documents may be requested based on the business and provider.
No. Availability can vary by state, business activity, provider requirements, and other eligibility factors. Review the state-availability and restricted-industries pages for current guidance.
Ready when you are
Start with the basics, see what information may be needed, and keep each next step organized in one place.