Minimum operating history
Most providers require one year in business, though some consider six months for smaller advances.
Monthly revenue requirements
Providers often look for $15,000–$25,000 in monthly revenue.
Bank statements and processing history
Expect to provide 3–6 months of business bank statements and card-processing statements if applicable.
Credit considerations
Credit scores matter but are less important than revenue stability. Many providers accept mid-500 scores when other indicators are strong.
Fresh Funding criteria
• Minimum 6 months operating (12 months preferred)
• Minimum $10,000 monthly revenue
• 3–6 months bank statements
• Business checking account required
• No active defaults or unresolved bankruptcies
Funding decisions are typically delivered within one business day, and funds may be deposited within 24 hours.
Improve your chances
• Avoid overdrafts
• Deposit all sales into one account
• Prepare documentation early
• Request funding for clear business purposes
