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Revenue-based funding for minority-owned businesses: $5,000 to $10 million, qualified on 4+ months in business and $10,000+ monthly revenue — not an SBA or grant program.
The filters that stand between a healthy business and a bank approval are often nothing to do with whether it can service a payment: the length of a banking relationship, the age of a credit file, collateral on the balance sheet. Our underwriting uses none of them. The decision is built on your revenue and your bank activity — four months of statements, read for deposit consistency, average daily balance and what is already taking money out of the account.
The qualifications are the same clear bar we hold for everyone — 4+ months in business, $10,000+ in monthly revenue — and what we fund in house is an advance from $5,000 to $10 million or a flex line of credit from $10,000 to $2 million. A loan, where it fits better, we arrange with a direct lending partner, only if you choose to and at no fee to you, on terms the partner sets out in writing before anything is signed. 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.
One practical consequence of underwriting this way is that the file has to be legible, and legibility is something you control. Revenue landing in a personal account is generally not counted, so a business that never separated the two gets sized against an understatement of itself. Transfers between your own accounts are netted out, so moving money between operating and savings makes the business look larger to itself than it does in the file. And where the customer base is a handful of corporate or municipal contracts, revenue arrives as a few large payments rather than many small ones — a shape worth explaining in writing at submission, with the contract behind it, rather than leaving an underwriter to read a single large deposit as one lucky month. Receipts of that shape are also better matched to a weekly remittance sized to the payments than to a daily one.
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 or banking-relationship depth. Separately, certifications like MBE or SBA 8(a) can unlock government contracting advantages; your advisor can point you to the right starting place, and those programs are run by the SBA and by state and city agencies rather than by us.
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: your most recent 4 months of business bank statements, a valid form of ID, a voided business check and basic business information. Above about $250,000 we often, though not always, also ask for the most recent business tax return and either year-to-date financials or an A/R aging report, depending on the business. The application's first step takes about 2 minutes.
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.
Only the part that reaches the business account. Underwriting reads four months of business bank statements, so cash taken at the register and spent before it is banked does not exist as far as the file is concerned, however real the sales were. The fix is mechanical: bank every day's takings in the one operating account and pay out from there. Thirty days of that changes the next statement; ninety days changes the file.
Both, in different ways. The file is built from four months of business bank statements, so a business that ran through a personal account for years and opened its business account in April has statements that begin in April, not in the year it was formed. A business that has traded for years but opened its business bank account less than four months ago is a conversation rather than an automatic no, especially if there is existing revenue or a strong personal credit profile. Run every dollar through the new account from its first day, and call before applying rather than waiting for the fourth statement.