Revenue minimums: $60,000 a year for revenue-based financing, $300,000 for bank-style credit, with published carve-outs at $200,000 for trucking and $500,000 a month for construction.
Figures verified 2026-09-21The floor is $60,000 a year for revenue-based financing and $300,000 a year (or $25,000 a month) for a bank-style line of credit or term loan. Two industries carry their own numbers: local freight trucking needs $200,000 a year, and commercial construction needs $500,000 a month. Revenue is read from your business bank statements, not your tax return.
| Program | Minimum revenue | How it is measured |
|---|---|---|
| Bank-style line of credit or term loan | $300,000 a year, or $25,000 a month | 8+ deposits a month |
| Revenue-based financing | $60,000 a year | Measured on bank statements, not tax returns |
| Revenue-based — trucking | $200,000 a year | Local freight only; also needs 3 years and a contract with a major shipper |
| Revenue-based — construction | $500,000 a month | Commercial and institutional only; also needs 5 years, 10+ deposits, a commercial location |
Revenue sets the ceiling as well as the floor. A bank-style term loan is capped at 15% of your annual revenue — a business doing $500,000 a year tops out near $75,000 on that product regardless of credit. A line of credit runs $10,000 to $350,000 with a $10,000 minimum draw, and a term loan $10,000 to $250,000.
Bank-style programs want 8 or more deposits a month. Construction wants 10 or more. A business that invoices monthly and receives four large deposits can miss on deposit count while clearing the revenue number comfortably — that is one of the most common declines we see, and it is fixable by depositing as you collect rather than in batches.
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.
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