Are you eligible? Most operators know in a minute.
Four simple minimums, no hard credit pull to check, and a real person if you are close but not quite there.
The minimums
What we look for first.
12+ monthsin business
Under current ownership. Newer? Call us, we sometimes fund at nine months.
$15,000+monthly revenue
Averaged over recent months, so one slow month will not rule you out.
Card salesor steady deposits
Any major processor works. Cash and ACH deposits count too.
Business checkingaccount
In the business name, with a few months of history.
Quick check
Answer four questions.
This is not an application and nothing is saved. It just tells you where you stand.
1Has your business been open 12 months or more?
2Does it bring in $15,000 or more per month?
3Do you have a business checking account?
4Do you take card payments or make regular deposits?
Answer all four to see your result.
Beyond the minimums
We read the whole business, not one number.
01Consistency of depositsSteady deposits matter more than one big month.
02SeasonalityWe read twelve months, so a slow winter is expected, not a red flag.
03Existing advancesCurrent positions are fine. We can often consolidate them into one payment.
Have these ready
Documents that speed things up.
Business bank statementsThe last four months, or connect your bank securely.
Processing statementsThe last three months, if you take cards.
Owner IDA government-issued photo ID.
Business detailsLegal name, EIN and address.
Questions
Eligibility questions, answered.
No hard minimum. Credit is one factor alongside your deposits and history.
Ready to see your offer?
Apply in five minutes. No hard credit pull. A real offer, not a range.