Time in business gives a funder history to read, but revenue matters as much. Built for established businesses doing $60K+ a month.
Check my eligibilityQualifying
Funders read time in business next to revenue and deposits. Apply through our partner, Merchant Fund Express, and find out where you stand.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
About 3 months of bank statements show your recent track record. No tax returns; 5-minute application.
FICO 500+ is considered. Soft pull to start, and your revenue carries real weight.
Any offer shows the full repayment amount before you accept. No surprise costs after you sign.
Qualified businesses can be funded in as little as 24 hours, with repayment laid out up front.
Time in business is a shortcut for one question: does this company have a track record? A business that has handled a few slow seasons and come out the other side gives a funder more to go on than one that opened last quarter. That is why it is on every application.
We do not publish a hard cutoff. What we can tell you is who we serve: established businesses doing $60K or more a month. Not startups with no revenue.
Read what funders look at for the full list.
For illustration only.
A flooring installer, in business for nine years, credit dinged by a slow 2024. Deposits around $120,000 a month. Lots of history to read. The bank still said no over credit.
A chef who ran a food truck for years and opened a restaurant under a new LLC fourteen months ago, now doing $70,000 a month. The new entity is younger, but the deposits tell a real story.
Opened six weeks ago, revenue just starting. Not the fit we serve yet. Build some revenue history first.
Switched banks recently? Have statements from the old account ready too, so the history is not cut off. Reorganized from a sole proprietorship into an LLC? Say so. Sole proprietors can apply, and explaining the change helps a funder connect the dots instead of seeing a young business.
Tax returns: no tax returns are required. A perfect score: FICO 500+ is considered. A long business plan: not needed. The application takes about 5 minutes, and there is a soft credit pull to start. Funding is provided through our partner Merchant Fund Express, from $25,000 to $5,000,000.
If your business has real revenue and a bank turned you down, apply in 5 minutes. Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses. Also see revenue required for business funding.
We do not publish a hard cutoff. Funders weigh time in business together with revenue, deposits and balances. We serve established businesses.
This is not built for startups with no revenue. It is built for established businesses doing about $60K or more a month.
Explain it on the application. Sole proprietors can apply, and showing how long you have operated helps.
About three months of business bank statements.
We start with a soft credit pull, which does not affect your score.
Example uses for illustration only.
Whatever your years in business, these strengthen the file:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding