What Businesses Qualify for Funding?

Most established businesses generating $20,000 or more in monthly revenue qualify. Credit score is not the primary factor — revenue consistency and business performance matter most.

You Likely Qualify If

  • $20,000+ in monthly revenue

  • 12+ months in business

  • Active US business bank account

  • Located in the US, Puerto Rico, or Canada

  • Consistent revenue history (not seasonal gaps)

You May Not Qualify If

  • Businesses with less than 3 months of operating history

  • Pre-revenue startups with no sales history

  • Businesses currently in bankruptcy proceedings

  • Sole proprietors with no business bank account

Industries We Fund

Restaurants & food service

Healthcare practices & medical offices

Retail stores & e-commerce

Construction & contracting

Transportation & logistics

Legal & professional services

Auto repair & dealerships

Salons, spas & personal care

Manufacturing & wholesale

Frequently Asked Questions

What businesses qualify for funding?

Most established businesses generating $20,000 or more in monthly revenue qualify for at least one type of business funding. Requirements vary by product — merchant cash advances focus on card sales volume, while term loans may require stronger credit profiles. Revenue consistency is typically more important than credit score.

Do I need good credit to qualify?

Not necessarily. Many business funding products prioritize revenue performance over personal credit scores. Merchant cash advances and revenue-based financing options are available to businesses with all credit profiles, including those with scores below 600.

How much revenue do I need?

Most funding providers require a minimum of $20,000 in monthly revenue. Some products are available to businesses with $10,000+ monthly revenue, but qualification rates and terms improve significantly above the $20,000 threshold.

Can startups qualify for business funding?

Most funding products require at least 3 to 12 months of operating history with verifiable revenue. Pre-revenue startups typically do not qualify for merchant cash advances or revenue-based financing. SBA microloans and startup-specific programs may be available.

Does my industry affect qualification?

Some industries are considered higher risk by certain lenders, which can affect available products and terms. Restaurants, healthcare, retail, and construction businesses are commonly funded. Restricted industries include gambling, firearms, and certain adult entertainment businesses.

Will applying affect my credit score?

Initial applications typically use a soft credit pull, which does not impact your credit score. A hard credit inquiry only occurs if you choose to accept a specific funding offer from a lender. You can apply and compare options without any credit impact.

Find Out in 5 Minutes

One application. Multiple offers. No impact on your credit score.