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Revenue-based funding for minority-owned businesses: $5,000 to $10 million, qualified on 3+ months in business and $10,000+ monthly revenue — not an SBA or grant program.
Minority-owned businesses are among the fastest-growing segments of the U.S. economy — and still face measurably tougher odds at traditional banks. Our underwriting sidesteps the usual sticking points: decisions are built on your revenue and bank activity, not on legacy credit history or existing banking relationships.
The qualifications are the same clear bar we hold for everyone — 3+ months in business, $10,000+ in monthly revenue — and the products span term loans, lines of credit, and advances from $5,000 to $10 million. You'll work with an advisor who explains every option in plain language, including which certifications (MBE, 8(a), and similar) may open additional doors beyond our own products.
Amounts follow the standard 80%–150% of monthly revenue guideline within $5,000 to $10 million, decided on deposits and time in business. If you're also pursuing an SBA or CDFI program — which can carry materially better rates — those are worth running in parallel; they're slower, and this can bridge the gap.
No — these are our standard products, underwritten on revenue rather than credit history, which in practice removes the barriers that most often block minority-owned firms. Separately, certifications like MBE or SBA 8(a) can unlock government contracting advantages; your advisor can point you to the right resources.
It informs pricing but rarely blocks approval. The initial review is a soft pull, and all credit profiles are welcome to apply.
The same as any applicant: 3–4 months of bank statements, a valid ID, and basic business information. Five minutes online.
No, and we'd rather be plain about that. It's the same revenue-based underwriting and the same thresholds. What's different is that we don't weight banking-relationship depth, which is where many businesses get filtered out.
Yes — genuinely. Those programs often carry materially better rates. They're slower, so people frequently use both: one for the immediate need, the other for the longer play.