Published Requirements

Business funding requirements, published

Credit score, revenue, time in business, positions, NSFs and minimum bank balance — the actual thresholds an application is measured against, by program.

Figures verified 2026-09-21
The 60-second answer

Across our programs: 600 FICO and 6 months in business and $60,000 a year is the lowest door; 650, 3 years and $300,000 opens bank-style credit. The cap is 2 open positions. Bank statements decide the rest: $800 minimum average daily balance, or $5,000 / 10% of monthly revenue for bank-style, and published NSF and negative-day caps.

Every published threshold, in one table

ProgramMin FICOMin time in businessMin revenuePositions allowedNotes
Bank-style line of credit6503 years$300,000/yr ($25,000/mo)Up to 2Can sit in second position
Bank-style term loan6503 years$300,000/yr ($25,000/mo)First position onlyCapped at 15% of annual revenue
Revenue-based financing6006 months$60,000/yrUp to 2Sole proprietors decline automatically
Renewal of an existing advance5502 yearsSet by the original advanceNo add-on if another position existsEligible at 50% repaid

Bank-statement tests

MeasureBank-style creditRevenue-based financingHow it is counted
NSFs per month6 maximum5 maximumCounted from bank statements
NSFs per 6 months24 maximum—Rolling, not calendar
Negative days per month3 maximum5 maximum (combined with NSFs)A negative day is any day the account closes below zero
Negative days per 6 months9 maximum—Rolling, not calendar
ProgramMinimum balanceHow it is measured
Bank-style line of credit or term loan$5,000 average balanceor 10% of monthly revenue, whichever is greater
Revenue-based financing$800 minimum daily balanceMeasured as an average daily balance, not a single-day low

Answers to the six questions we are asked most

What credit score do I need for a business line of credit?For a bank-style business line of credit the published minimum is a 650 FICO. Revenue-based financing starts at 600.…What revenue do I need to qualify for business funding?The floor is $60,000 a year for revenue-based financing and $300,000 a year (or $25,000 a month) for a bank-style…How long does a business need to be open to get funding?Six months is the lowest published floor — that is revenue-based financing. Bank-style lines of credit and term…How many merchant cash advance positions can I have?Two. Across every program we offer, the published maximum is two open positions. A third is an automatic decline, not…Do NSFs disqualify me from business funding?No — there are published caps, and they are higher than most business owners expect. Bank-style programs allow…What is the minimum average bank balance for a business loan?$800 is the published minimum average daily balance for revenue-based financing. Bank-style lines of credit and term…

What will stop an approval regardless of the numbers

Common questions

Why we publish these

These are our requirements. Most sites answering this question give you a range and a "contact us for details" — because publishing a real threshold means being held to it. We would rather you know before you apply whether you clear the bar, so the numbers above are the actual ones an application is measured against, not a marketing range. They are reviewed on the dates below and updated here when they change.

See which of these you already clear

One application, read against every program above. No fee, and no effect on your credit to find out.

Check What You Qualify For → Call (305) 384-8391