Time-in-business minimums: 6 months for revenue-based financing, 2 years to renew, 3 years for bank-style credit, 3 years for trucking and 5 for construction.
Figures verified 2026-09-21Six months is the lowest published floor — that is revenue-based financing. Bank-style lines of credit and term loans need 3 years. Renewing an advance you already have needs 2 years, or 4 years if the renewal runs an 18-month term. Trucking and construction carry their own longer minimums.
| Program | Minimum time in business | Notes |
|---|---|---|
| Revenue-based financing | 6 months | The lowest published floor of any program we offer |
| Renewal of an existing advance | 2 years | 4 years if the renewal runs an 18-month term |
| Bank-style line of credit or term loan | 3 years | No exceptions below this |
| Revenue-based — trucking | 3 years | On top of the revenue floor |
| Revenue-based — construction | 5 years | On top of the revenue floor |
The date the entity was formed, not the date you opened the bank account and not the date you started trading. If you operated as a sole proprietor for two years and then incorporated last month, the clock generally restarts — and sole proprietorships decline automatically on both the bank-style and revenue-based programs.
We do not fund a business under six months old. Anyone telling you otherwise is either quoting a personal loan against your credit or is not going to fund the deal. The honest answer at four months is to wait, keep the statements clean and come back at six.
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.
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