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 to $25,000 in monthly revenue.
Bank statements and processing history
Expect to provide 3 to 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 12 months in business
- Minimum $25,000 monthly revenue
- 500+ FICO score
- Revenue deposited into a business bank account
- 3 to 6 months bank statements
- 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
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