·Reality check
Eligibility & qualifications
Common baselines for the funding routes we help businesses compare. These are starting points, not hard rules — if you're close, there's often still a workable path.
Checking your options is a soft inquiry that won't affect your credit score. Moving forward with funding may require a hard credit pull and supporting documentation.
01Typical baselines
Where most businesses start
Stronger numbers in one area can offset a softer number in another.
The most common cutoff for better pricing and a wider set of options.
A frequent baseline, though some routes go lower with strength elsewhere.
Typical for many non-bank routes; higher scores generally unlock better terms.
02Helpful to have ready
What underwriting usually looks at
Every lender is different, but most look at a similar core set of information. Having these handy makes the process faster and the conversation more accurate:
- Recent business bank statements
- Basic business details (entity type, industry, time in business)
- Average monthly revenue and general cash-flow pattern
- Sometimes tax returns or additional documentation, depending on the route
If you're below a baseline
Being under a typical threshold doesn't automatically rule you out. Sometimes the right move is a smaller amount, a longer runway, or some bankability cleanup first — improving how your cash flow presents before a larger ask. We'll give you a straight read on a call.
Not sure if you qualify?
Book a short underwriting call and we'll map the routes you're most likely to qualify for. Checking your options is a soft inquiry that won't affect your credit score. Moving forward with funding may require a hard credit pull and supporting documentation.