Application Process & Requirements

Simple, fast, and transparent. Get your business funded in as little as 24 hours.

Our Simple 4-Step Process

1

Apply Online

Complete our secure application in minutes. No obligation.

2

Get Approved

Receive approval within hours. We review your application quickly.

3

Review Offers

Compare customized financing offers tailored to your needs.

4

Receive Funds

Accept your offer and get funded in as little as 24 hours.

General Requirements

Time in Business

Typically 3-12 months, varies by product

Annual Revenue

Minimum $50,000-$100,000 depending on loan type

Credit Score

As low as 500 for some products, 600+ preferred

Bank Statements

3-6 months of recent business bank statements

Legal Documentation

Business license, EIN, articles of incorporation

Personal ID

Valid government-issued identification

Documentation Checklist

Business bank statements (last 3-6 months)
Business tax returns (last 2 years)
Profit & loss statement
Balance sheet
Business license
Articles of incorporation
Personal identification (driver's license)
Business debt schedule
Proof of ownership
Voided business check
Credit card processing statements (if applicable)
Accounts receivable aging report (if applicable)

* Not all documents are required for every loan type. Requirements vary based on the financing product and amount.

Product-Specific Requirements

Merchant Cash Advance

  • 4+ months in business
  • $10,000+ monthly revenue
  • Credit card processing
  • No minimum credit score

Business Term Loans

  • 6-12 months in business
  • $100,000+ annual revenue
  • 600+ credit score preferred
  • Positive cash flow

SBA Loans

  • 12+ months in business
  • $60,000+ annual revenue
  • 675+ credit score
  • Detailed business plan

Equipment Financing

  • No minimum time in business
  • $100,000+ annual revenue
  • 600+ credit score
  • Equipment details

Invoice Factoring

  • 6+ months in business
  • B2B business model
  • Creditworthy customers
  • Outstanding invoices

Working Capital

  • 3+ months in business
  • $50,000+ annual revenue
  • 550+ credit score
  • Basic financials

Ready to Get Started?

Complete your application in minutes and get approved within hours. No obligation to accept.