At least 18 months in business
Operating history can help show how the business performs across more than one cycle.
Qualifications
Know the baseline before you begin.
Use these initial guideposts to understand whether an established business may be ready for review and which records may be requested.
Baseline screening criteria
Four signals of inquiry readiness.
Provide complete and accurate information. A provider may request more context or use different thresholds.
$75K+ average monthly revenue
Revenue is considered alongside deposits, balances, expenses, and existing obligations.
U.S. business bank account
An active account supports the review of business cash-flow activity and, where applicable, payments.
Every position disclosed
List all loans, advances, lines of credit, and other financing obligations accurately.
What may be requested
Prepare a complete business record.
Document requirements vary by provider, business, product, and stage of review.
Business identity
Legal name, DBA, entity type, tax ID, address, and contact information.
Ownership details
Information for relevant owners, guarantors, or authorized representatives.
Bank statements
Recent complete statements for the primary business operating account.
Financial records
Revenue, profit-and-loss, balance sheet, tax, or other records if requested.
Existing obligations
Balances, payments, providers, and payoff information for current financing.
Use-of-funds context
A clear business purpose, estimated budget, and expected operating impact.
Beyond the baseline
Other factors may shape review.
Underwriting is multi-dimensional. No single factor, including revenue or time in business, determines an outcome.
Cash-flow patterns
Deposits, balances, volatility, and payment capacity.
Existing obligations
Current payments, balances, and overall leverage.
Industry and use
Business activity, permitted use, and provider restrictions.
Provider criteria
Credit, ownership, jurisdiction, documentation, and other requirements.
Accuracy matters
Never reshape the facts to fit a threshold.
Omitted obligations, altered records, or inaccurate business information can stop a review and may have serious consequences. Share only complete, truthful information.
Questions, answered
Qualification basics.
Does meeting every baseline qualify my business?
No. The baseline screening criteria are only an initial guide. Providers may consider additional factors such as cash flow, balances, industry, ownership, existing obligations, credit profile, jurisdiction, and the requested use of funds.
How is average monthly revenue evaluated?
A provider may review deposits and business financial records across a defined period. Transfers, irregular deposits, refunds, and other items may be treated differently under provider policies.
Why must I disclose existing financing?
Current obligations affect cash flow and the business’s ability to take on another payment. Complete disclosure supports responsible evaluation and may be required by the provider.
What if my business does not meet the initial criteria?
You may choose not to proceed, or you may submit accurate information for review if the inquiry allows it. Do not change or omit facts to fit a criterion. No outcome is guaranteed.
Ready when you are
See whether the baseline aligns with your business.
Start the inquiry with accurate details. Any eligibility determination or offer remains subject to provider review.