You need to enable JavaScript to run this app.
The unfiltered answers to the qualification questions applicants actually ask — credit, revenue, time in business, bankruptcies, and existing advances.
To qualify for revenue-based funding here you need three months in business, at least $10,000 a month in revenue, a business bank account, and no open bankruptcies — that's the whole threshold. These are the questions applicants ask us on the phone, answered the way we answer them on the phone.
What are the hard requirements?
Four things: 3+ months in business, $10,000 or more in monthly revenue, a business checking account receiving that revenue, and no open bankruptcy. That's the whole gate. Funding runs $5,000 to $10 million — typically 80% to 150% of your average monthly revenue.
My credit is rough. Is this a waste of time?
No. Approval is underwritten on your revenue — your deposits, their consistency, your business's momentum. Credit informs pricing more than approval, and all credit profiles are welcome to apply. The initial application is a soft pull with zero impact on your score.
I've only been operating six months. Too early?
You clear the 3-month bar with room to spare. Newer businesses see somewhat more conservative first offers — a completed funding cycle typically improves the second one materially. Many long-term clients started with a modest first advance.
I already have an advance. Can I still qualify?
Often, yes. Underwriting looks at whether your cash flow supports the combined obligations. What we won't do is stack funding your revenue can't carry — a decline on those grounds is us doing our job.
Does a past bankruptcy disqualify me?
A discharged bankruptcy does not. An open, active bankruptcy does — we can't fund through one. Once discharged, your file is read on current revenue like anyone else's.
What will I need to show?
Your last 3–4 months of business bank statements, a valid ID, a voided business check, and basic business details. The application takes about five minutes, decisions arrive within 24 business hours, and funding lands within 24 hours of approval.