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What are the minimum requirements?

Most products: 6+ months in business, $10K+/mo revenue, US-based, business bank account.

Updated May 12, 2026

Minimum requirements vary by product. The standard baseline (working capital + factoring):

  • 6+ months in business
  • $10K+ in monthly bank deposits
  • US-based business entity (LLC, corp, sole prop)
  • Business bank account (not personal)
  • Owner credit score 500+ (some products require 600+)

SBA + larger term loans have stricter requirements — typically 2+ years in business, 650+ credit, debt-service coverage ratio > 1.25.

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